Just applied to Halifax

Nuclear_Tom

Bank of Scotland.

BeckyBloomwood_2

Thanks very much!

Alisonbel

Barclays are A**E, I'm claiming my bank charges which are exactly what my overdraft is! funny that!!!!

BeckyBloomwood_2

Alisonbel wrote:

Barclays are A**E, I'm claiming my bank charges which are exactly what my overdraft is! funny that!!!!

That is funny, mine are too! Bet my overdraft is bigger than mosts though : (
How far into your claim are you? good luck. I am literally just getting my first letter together.

regularsaver1

Conditions for the £100 switching incentive:

1. To qualify for the £100 switching payment you must open a new Halifax current account between 5th February 2007 and 23rd March 2007. All account openings are subject to acceptance.

2. You have to use our Switching Team to transfer Direct Debits and standing orders from your existing account elsewhere to your new Halifax current account.

3. Our Switching Team must receive your completed switching instruction forms by 30th April 2007.

4. You must make payments totalling at least £1,000 every month, into your new Halifax current account.

5. The £100 switching payment will be paid into your new current account by the end of the month following the month in which you make your second payment of £1,000 into your account. The second £1,000 payment must be received by 30th September 2007.

6. Payment applies to first account opened only, whether sole or joint. Joint account qualifies for one payment only.

7. The £100 offer is subject to change and may be withdrawn at any time.

8. The offer is open to new current account customers only and not available to existing Halifax current account holders. New customers opening a joint account with an existing sole account holder will not qualify for a payment.

9. Our Student Current Account is not eligible for the £100 switching payment.

10. This offer is not open to employees of HBOS plc.

regularsaver1

You account sounds like it has been referred to the underwriters for the human decision

Did you check your credit file before?

vivaladiva

BeckyBloomwood wrote:

Ha ha, you would have thought so!
Just got to keep my fingers crossed. Bizzimum do you have any bad credit history though? I don't have anything major, but still think this will be declined

Might depend on whether you want an overdraft or not. As far as I know my credit rating is OK - although I dread getting declined (possibly too much available credit). Because of the timing of our changeover - which takes far more than 2 signatures:rolleyes: - I was concerned that the buffer of £1000 wouldn't be enough. Quick call to CS and was offered £2500 no questions asked. BTW you have to pay £100 into your account for 24hs offer or not.
Fingers crossed for you.

charlottie76

Hi

Dont know if anyone else has come across Citibank.. I've read other peoples comments saying they accept people for their currect account (with a proper card and cheque book) even with credit problems...I applied and I recieved their application pack implying i'd been accepted already and just had to sign the form and send back..fingers crossed .. I can then take the Halifax to the cleaners for my past charges :j

BeckyBloomwood_2

regularsaver1 wrote:

You account sounds like it has been referred to the underwriters for the human decision

Did you check your credit file before?

Does this generally mean a big fat no?! No I didn't check my credit file.

GirlRacer_2

I've had an account with Halifax for the past 10 yrs but its only a cardcash account. I applied for a current account last week and I'm still waiting a decision.