Barclays basic account doing a credit check

lee20010

So it was a genuine mistake

Ill go there tomorrow.. Maybe I'll be allowed to open an account

mumsarethebest

we are currently in an IVA. As most of our debt was with the bank our old current accounts were held at hubby opened a basic account with barclays before the IVA went through last month. No overdraft no chequebook. All fine.
Last week we both went into the bank to put me on the account (opened in the same branch) All my ID fine but when it came to ordering me a debit card she credit checked me!!! When I failed she said I couldnt get a card. The only solution is for hubby to cancel his card as apparently its a electronic connect and reorder a new one without the connect and only then can I order one!!!!! When we queried it hubbys card says cheque quarantee £50 on the back which makes it an electronic connect - even though cheque guarantees are now obsolete.
Took nearly an hour and a half in branch.
So be warned even in branch they credit check you without telling you!! Its only cause I failed she told me.

lee20010

That's shocking, I cant afford to be Credit checked again....somehow I have 15 searches in the last 6 months...So I need to wait until January

jen245

mumsarethebest wrote: »

we are currently in an IVA. As most of our debt was with the bank our old current accounts were held at hubby opened a basic account with barclays before the IVA went through last month. No overdraft no chequebook. All fine.
Last week we both went into the bank to put me on the account (opened in the same branch) All my ID fine but when it came to ordering me a debit card she credit checked me!!! When I failed she said I couldnt get a card. The only solution is for hubby to cancel his card as apparently its a electronic connect and reorder a new one without the connect and only then can I order one!!!!! When we queried it hubbys card says cheque quarantee £50 on the back which makes it an electronic connect - even though cheque guarantees are now obsolete.
Took nearly an hour and a half in branch.
So be warned even in branch they credit check you without telling you!! Its only cause I failed she told me.

You can't have a cheque guarantee card on a basic cashcard account. It must be a full current account your husband has

Lith

barclays fobbed me of with a cash card account (but she said it was a current account) what a b!tc#h - clearly says when i log in 'CASH CARD'

funny... im allowed to have a full current account with TSB/RBS/HSBC/HALIFAX but a cash card with barclays? :O lucky for me im gonna stop using the barclays cash card account

(till they give me a current account) already sent of my application via the phone and online.

loyalties and banks eh? ..... - no such thing

pqrdef

lee20010 wrote: »

Ill go there tomorrow.. Maybe I'll be allowed to open an account

According to the online application form, if they turn you down for the overdraft account they may offer you the cashcard account instead, without needing another application.

mumsarethebest

jen245 wrote: »

You can't have a cheque guarantee card on a basic cashcard account. It must be a full current account your husband has

No its def a basic account as double checked paper work.