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cash minder account

welshangel
welshangel Posts: 280 Forumite
in Debt-free wannabe
Is it right that they give most people this account. I really need a new account to try and sort myself out with my current bank too. I've applied for one today, but now I am a little scared.

Cheers
x
Long Haul number 207 :j

Back on the train again after a monumental bad time in my life..... :T
«1

Comments

  • pure_dead_dopey
    pure_dead_dopey Posts: 2,215 Forumite
    calmness, they axxepted us so it should be a doddle for you, They asked about financial problems and I was dead honest so you be too it will be OK
    More than Two Years in

    Doing it the Niddy way:j:j:j

  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Yes, Co-Op CashMinder and Barclays CashCard are the two basic accounts that anyone can get, even undischarged bankrupts.

    If you get turned down, ensure they applied for the basic account, no credit check and they had all the details they needed
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • welshangel
    welshangel Posts: 280 Forumite
    oh, they said there would be a credit check! And he did say, the Cashminder account?

    So confused still. bum! :(
    Long Haul number 207 :j

    Back on the train again after a monumental bad time in my life..... :T
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    CashMinder is a basic no overdraft account, no credit available on it so not credit checked. All they should do is an identity check. If they are doing a credit check they might have applied for the wrong one.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • welshangel
    welshangel Posts: 280 Forumite
    Ah bum! Will have to wait for them to get back to me I think.
    Thanks :)
    Long Haul number 207 :j

    Back on the train again after a monumental bad time in my life..... :T
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I have heard of people been turned down, then having to ask why and it was a failed credit check or something silly. Ask on the Bankruptcy forum they know alot more about this account.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • coffee-break_2
    coffee-break_2 Posts: 270 Forumite
    Welshangel, i think you'll get the account no problem, give them a call in the week :). I applied last year knowing i wouldn't stand a chance of getting the 'normal' account, so requested the cashminder. After about 5 days i called them to check and i had been accepted. The application had been referred to an underwriters, but was given the go ahead :). If i can get it anyone can :beer:.
    Sealed Pot Challenge member no:918
    NSD     VSP member no 52
    £365 in 365 days
    Debt £5000, started DMP with CCCS Feb 2010
  • yellowduck_2
    yellowduck_2 Posts: 261 Forumite
    they sorted me one out in three days, I just had to take in id. Can't recommnd them too highly, debit card, on line banking and no overdraft, suits me perfectly.
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Looks like banks are doing credit checks when they shouldn't be http://forums.moneysavingexpert.com/showthread.html?t=2241987
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • welshangel
    welshangel Posts: 280 Forumite
    Thank you DC, as I said on the other thread, this is really useful for me. I shall wait until wednesday when the lad on the phone said I should have heard. If this isn't positive then I shall take this and other advice I have been given into branch.

    Thank you :)
    Long Haul number 207 :j

    Back on the train again after a monumental bad time in my life..... :T
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