can i go joint account with previously being in trust deed

snagglepuss16

hi, as you may have seen in a previous post today, RBS are limiting the cash machines available to those with basic accounts.
not a huge problem if im at home, but if we go away anywhere not as easy to access cash.
i have previously been in a trust deed, discharged for 2 years,im not sure whether to risk a credit search or not?
i have 2 options, upgrade-or attempt to- my current RBS account or try and link up with my partners account in lloyds- he has no credit issues, infact very good credit rating.
anyone have any idea which way to go?
thanks in advance:o

Xbigman

Don't get a joint account. You'll just trash his credit rating. Wait until your credit situation improves and try to upgrade or open a new (full service) account with another bank.





X

snagglepuss16

thats what i was worried about, yeah.
does anyone know if it would be possible just to pay my wages into his account without adding my name to it or anything?

Tixy

snagglepuss16 wrote: »

thats what i was worried about, yeah.
does anyone know if it would be possible just to pay my wages into his account without adding my name to it or anything?

It would certainly be possible - although many would perhaps say not a good idea.

Your trust deed will still show for a further year on your credit file btu you could still try applying for a 'normal' full account somewhere and seeing if you are accepted or not.
Or just open a new basic account elsewhere - that don't limit cash withdrawals?

snagglepuss16

yeah the more i thought of it, the more i realised its not such a good idea, id be better just keeping it so to show me managing my money. think i'll just put up and shut up for now!