Declined for a savings account!!!

pcombo

How on earth can you be declinded for a bloody savings account. I applied for a savings account with post office and they declined me.

So i cant get the most basic bank account nor can i get a savings account, What the hell am i going to do for the rest of my life.

Currently using prepaid card but i cant keep using them forever.

stclair

I'm not sure of your circumstances however have checked all your credit files?

It may be better if you open an account in branch rather than online etc.

samizdat

Sorry, but I had to laugh. It does seem unfair! Perhaps it was a failure in the identification process. These days nobody is allowed to use the banking system without id checks. Just a thought. Maybe try walking in to a bank or building society branch with a passport and a utility bill.

pcombo

Well, Equifax has 3 defaults and nothing else no cifas records, no ccj,

Last time i checked credit expert i had 2 ccjs, and 3 defaults aswell and again no cifas records.

How would having 2 CCj's on 1 record and not on the other best of it is there not even mine.

Call credit i dont know because im not paying £12 to sign up.

System

Have you tried to get a YBS Cash Transactor , Nationwide Cashbuilder or Clydesdale Savings as these will allow basic transactions - YBS will allow direct debits, Clydesdale comes with a Maestro card.

Incidentally, should you have CCJs if your based in Scotland?

pcombo wrote: »

Well, Equifax has 3 defaults and nothing else no cifas records, no ccj,

Last time i checked credit expert i had 2 ccjs, and 3 defaults aswell and again no cifas records.

How would having 2 CCj's on 1 record and not on the other best of it is there not even mine.

Call credit i dont know because im not paying £12 to sign up.

MoneySaverLog

Does seem odd as this would have suggested cifas, incidently https://www.noddle.co.uk is a free way of checking your call credit credit report.

skintdad

have the CCJs expired or is it possible you have an address format issue which would make it difficult to electronically ID you. address format for flats in Scotland regularly causes problems

shazz5555

I work with people living in hostels, they open a basic santanader Account

Funkyfreddy

pcombo wrote: »

.......Call credit i dont know because im not paying £12 to sign up.

No need - just send £3 for your Statutory Report.

[EDIT: SOrry - my typo. The above should read "just send £2....."

FF

jalexa

Funkyfreddy wrote: »

- just send £3 for your Statutory Report.

Yikes, has it just gone up to £3?

Horace

Look for a credit union, you can join them and have 'shares' this is money that you pay in which in essence are your savings. I have a bank account and a credit union account - I use my credit union account for savings.