Basic Bank Account Thread

sutton111

I know, but everyone who has applied for a cashminder gets referred and asked to ring back a couple of days later unsure why. I wonder if you will get accepted? I quite like the Barclays cash account, could you get a current account any where?

cifpower

sutton111 wrote: »

I know, but everyone who has applied for a cashminder gets referred and asked to ring back a couple of days later unsure why. I wonder if you will get accepted? I quite like the Barclays cash account, could you get a current account any where?

I already have the Halifax account with overdraft which I have had for over 18 months but I would like a back up just in case. I find it hard to get a proper bank account because of the default on my Equifax file and the insane number of searches on my Experian file. I don't want to apply for anything proper for 6-9 months to allow a lot of them to drop off.

heppy23

sutton111 wrote: »

http://www.apacs.org.uk/sortcodechecker/index.html
Yorkshire bank, Natwest, Barclays and HSBC do.

Thanks, has that postcode checker page always had the list of banks at the bottom?

I go on that page now and then in the vain hope that Abbey have got their finger out but I can't say I've seen the list before.

I've applied for an account with Nat West, just waiting for the stuff to turn up in the post now.

456789

heppy23 wrote: »

Thanks, has that postcode checker page always had the list of banks at the bottom?

I go on that page now and then in the vain hope that Abbey have got their finger out but I can't say I've seen the list before.

I've applied for an account with Nat West, just waiting for the stuff to turn up in the post now.

postcode?

afaik that list has always been there

heppy23

456789 wrote: »

postcode?

afaik that list has always been there

As my other half would say "I knew what I meant".

I can't have ever scrolled down on that page before.

cifpower

sutton111 wrote: »

I know, but everyone who has applied for a cashminder gets referred and asked to ring back a couple of days later unsure why. I wonder if you will get accepted? I quite like the Barclays cash account, could you get a current account any where?

Well Co-op turned me down. It wasn't the credit search just "other factors" whatever they are.

456789

cifpower wrote: »

Well Co-op turned me down. It wasn't the credit search just "other factors" whatever they are.

Thats unfortunate

I wish banks would be more open in their reasons

Who are you going to try now?

sutton111

cifpower wrote: »

Well Co-op turned me down. It wasn't the credit search just "other factors" whatever they are.

It wasn't the credit search?
I thought they accepted even Undischarged Bankrupts?

cifpower

456789 wrote: »

Thats unfortunate

I wish banks would be more open in their reasons

Who are you going to try now?

I will probably opt for Barclay's Cash Card account

cifpower

sutton111 wrote: »

It wasn't the credit search?
I thought they accepted even Undischarged Bankrupts?

I know. So did I. God knows what their criteria is