Should I switch to First Direct

knightfox

Locana wrote: »

Thanks very much for this!

Goodluck.

Other people have said they might call you at work, but not everyone. This happens after you return the forms.

Locana

knightfox wrote: »

Goodluck.

Other people have said they might call you at work, but not everyone. This happens after you return the forms.

Thanks, I called them and they said they were sending out documents for an assessment.. Never heard of that, but maybe check things like wages etc?

Enterprise_1701C

I have been with them for quite a few years, and I also have a savings account with them to avoid any charges. They are very good, and inform you of any problems immediately. I cannot say a bad thing about them, which is more than I can say for other banks I have been with.

knightfox

Locana wrote: »

Thanks, I called them and they said they were sending out documents for an assessment.. Never heard of that, but maybe check things like wages etc?

Most banks still need a signed document saying you agree to the T&Cs. They will also check details on their as well, like work etc.

Locana

I shall let you know how I get on... Ive always wanted a FD account!

stephane_2

Once they receive your signed application, they will do a full credit search and most likely with Experian, you'll need to have a very good repayment history. Extremely unlikely that they'll contact you at work or your employer unless they suspect something not right in the details you provided....I have been with them for almost 2 years and they have been very good so far....

Locana

stephane wrote: »

Once they receive your signed application, they will do a full credit search and most likely with Experian, you'll need to have a very good repayment history. Extremely unlikely that they'll contact you at work or your employer unless they suspect something not right in the details you provided....I have been with them for almost 2 years and they have been very good so far....

The fact that they are sending me some sort of paperwork is ok with me, as I have applied before in the past and they have declined straight away.. My record is good, so fingers crossed..

vaporate

What's the fuss about? No branches, have to put a large sum of 1500 each month...

Customer service is a matter of opinion, luck.

I'm sticking with Natwest.

stephane_2

vaporate wrote: »

What's the fuss about? No branches, have to put a large sum of 1500 each month...

Customer service is a matter of opinion, luck.

I'm sticking with Natwest.

I was with Natwest for 7 years....what a bunch of losers...

stephane_2

Locana wrote: »

The fact that they are sending me some sort of paperwork is ok with me, as I have applied before in the past and they have declined straight away.. My record is good, so fingers crossed..

The fact that you did not receive a straight decline this time is a start, that means that you comply with their minimum criteria...hope it all goes well for you