Basic Bank Account Thread

tattycath

Hi cifpower. Thanks for that I went onto the website straight away and have sent form off and paid a deposit so I'm just waiting for confirmation (deposit has gone out of my bank so i am hopeful) Thank you so much.

daverave

a_gerbil wrote: »

Does anyone know how connected Clydesdale and Barclays are?

I've got really bad credit arrears and arangements and owe Barclays about £12k, the CAB advised me to open a new basic bank account which i've struggled to do and finally after trying loads of other banks got a readycash account with Clydesdale.

But now i've gone to payplan to try sort this mess out and they've told me that Barclays and Clydesdale are connected and I need to open a new account......But i've already tried all the basic ones on here that everyone has recomended and i'm starting to panic.

Has anyone with Barclays debt ever had a problem with Clydesdale?

I think they have got it wrong as Barclays and Clydesdale are not connected. Clydesdale Bank is a part of National Australia Bank Group and Barclays is a separate entity altogether.

a_gerbil

daverave wrote: »

I think they have got it wrong as Barclays and Clydesdale are not connected. Clydesdale Bank is a part of National Australia Bank Group and Barclays is a separate entity altogether.

I think payplan were going down the line that they are connected via woolwich. And since i've found it impossible to open another basic bank account, I might have to stick with Clydesdale anyway.

crazyfj

confusion can be because:-

[SIZE=-1]Barclays Partner Finance - the new name of Clydesdale Financial Services

Clydesdale Financial offer loans, hire purchase etc and are not linked to Clydesdale bank but are owned my Barclays[/SIZE]

Hey_Lyla

theboylard wrote: »

Following some of the other threads about accounts, I really wanted to be completely independent of the joint account so Nationwide's FlexAccount, whilst I'll still use it for holiday money, was not a long term answer for me as they wouldn't give a debit card.
Not even after I pleaded and showed proof of income and took in copies of credit file showing no debts - mortgage only, nowt else!

So following on from folks commenting about Yorkie Bank, phoned up my local branch on Monday morning, had an appointment Monday afternoon where I signed various bits - and she was quite pushy but knew when to stop (ie. when I told her to!!) -then walked out with some bumpf an hour later.

Thursday, Maestro card arrives and letter for internet banking registration.

I simply cannot fault that service, way beyond anything I've had in the past, and I've had accounts over the years with a lot of them!!!

Oh, and the internet banking works properly, unlike Nationwide which times out for me when trying to transfer money to an external account. Been nagging at them to fix it for months, plus I'm not alone on this either!!

Transfer time from Nationwide to YB? Transferred £500 On Tuesday, in YB on Thursday when I logged in for the first time. IF to YB, transfer on Tuesday, in YB on Friday.

Excellent stuff!!!! Open an account today

It's funny, I've held a Nationwide Flexaccount for roughly 5 years and have recently been refused an upgrade. I'm not asking for credit or an overdraft - just access to my own money.

My account has been in tip top shape from start to finish. I have a good wage going into my account every month and surplus money at the end of each month.

I rang my branch and was told that with the debit card account comes other priviledges such as an overdraft and there's no 'in-between' kind of account.

This wouldn't bother me too much if it wasn't for the fact that every time I went in for a bankers cheque for my solicitor when I bought my house 3 months ago, these people seemed desperate for me to take out house insurances with them.

Anyone out there who doesn't own a debit or credit card will know how frustrating it is to have to pay everything by cash or a bankers cheque. On one hand, the restriction has meant that I'm less likely to impulse buy which is good, but on the other, I often take surpless money out of the cash machine to make sure that it covers my shopping bill and so spend extra that way.


I have sent off for my credit files and although I know there's history, my rating will most definately improve significantly in the near future. My career is taking off, I'm almost fully qualified and look forward to a significant pay rise in June. I told Nationwide this, but of course they won't budge and told me that all other banks will turn me down for a debit card account.

I've just been accepted for a Capital One card at quite a high interest, but my intention is to use it as I would a debit card for groceries and petrol and ensure that I pay it off each month as soon as I get paid. The only problem with this is that Nationwide are still winners as they still have my custom - or at least that was what I thought until I read about Citibank on this site!

I made an online application last night and I have my fingers well and truly crossed that I will be accepted.

biejmerc

Hi guys new to this forum so hello!

I just wanted to say that I was struggling to get a bank account and was turned down by Yorkshire Bank for a readycash and by natwest for the step account.

I used guaranteed finance centre they're a notprofit company i think and i had to pay a fee but they got me a maestro card and account with RBS! which is amazing coz I was doing everything with cash!. I can't find their proper site but you can get access to it from:
https://www.pensierogroup.co.uk/gfc/Site/Home.html

Cheers guys and good luck. :j

tattycath

I managed to get a co-op basic account with a visa electron card-enabling me to pay for groceries, petrol and other such stuff, the only thing you can't do with the card is make payments over the phone, you can withdraw funds from cashpoints and post offices. i find it really convenient and you can't go overdrawn.

sofa_surfer

Hey_Lyla wrote: »

(snip)... every time I went in for a bankers cheque for my solicitor... (snip) .... I made an online application last night ...(snip)

...Good luck with your application; I've been there and I believe I have an idea on how do you feel. On the upside, If by 'Bankers Cheque' you mean a 'Counter Cheque',I think they are one of the few that don't charge you for it.
And even if you have only cash card facilities with your Flex, it still means no extra charge for cash withdrawals abroad. Capital One is a wise move as well (with hindsight I can tell it was for me). One more thing - if you are accepted for a new account, don't close the old one - it is still handy for financial applications where the institution likes to see some history of relationship.

Baron_Greenback_2

biejmerc wrote: »

Hi guys new to this forum so hello!

I just wanted to say that I was struggling to get a bank account and was turned down by Yorkshire Bank for a readycash and by natwest for the step account.

I used guaranteed finance centre they're a notprofit company i think and i had to pay a fee but they got me a maestro card and account with RBS! which is amazing coz I was doing everything with cash!. I can't find their proper site but you can get access to it from:
www.pensierogroup.co.uk/gfc/Site/Home.html

Cheers guys and good luck. :j

Sounds like a bit of a con to me... I too can guarantee pretty much anyone an account with a debit card (without specifying what sort), a cheque book (whilst saying "A cheque book will be issued in 90% of cases") and i'll do this for free (and i've posted more than once)

jsmith9156

tattycath wrote: »

I managed to get a co-op basic account with a visa electron card-enabling me to pay for groceries, petrol and other such stuff, the only thing you can't do with the card is make payments over the phone, you can withdraw funds from cashpoints and post offices. i find it really convenient and you can't go overdrawn.

Can you tell us what problems you've had using your card to pay for things over the phone?

I've used mine to pay for all sorts of stuff by phone and never had a problem!

The other James