more bank account misery

HHH_2

I have been trying to open a new bank account ( basic) I've applied twice to A&L the first time they said my application must have been lost in the christmas post I reapplied at the begining of jan just phoned and they have no record of my application and suggest I apply again!!! tried smile on line but couldnt find a basic account and have just been turned down for a current account I really dont know what to do next my last 2 paycheques have had to be cashed at the loan place costing me £60 each time. My experian check says very poor with a number of 555 I have been having problems since november but before that had a good rating. I am with CCCS and am on 2nd month of my DMP. any advice please?

misspoppy

Hi

Phone co-op and ask to open a cashminder account i can give you the number if you like. They will set it up no problem. You will also get an electron card and very good online banking. My account was set up over christmas without any delays.

iceicebaby

You can apply on line for a nat west step account. i did this and it took 2 weeks from start to finish.

After you have applied they send you the forms in the post to sign and you go into anyone of their branches for then to veryfy your id . They will then send your signed form and verified id through their internal mail to the relevant department if you ask them to.

i found it all so very easy and hassle free.

hope this helps

Crown

Hi, Have you actually tried going down to any of the high street lenders?

When I needed to open a new basic account I went down to the Abbey and explained that I wanted just a basic account and they opened it within 40 Minutes. I know actually ghetting to the brtanches can be a pain in the backside but actually speaking to a human rather than dealing with someone on the phone may be a good way forward.

It is a basic account your applying for and not a current account? If you apply for a current account a credit check is carried out and a friend who also needed to do this got turned down time and time again for a current account as they didnt realise the difference between them.

jenchin66

Citibank also offer a basic account there is a thread about it on the current account forum

jenchin66

http://forums.moneysavingexpert.com/forumdisplay.html?s=&daysprune=&f=20

Heres a link