Co Op Smart Saver Account

Angiepange

I had read on here that some people had successfully opened a Co Op Smartsaver Account and others had been declined. We already have a Cashminder Account with the Co Op set up since our BR.

I applied over the phone for a joint Smartsaver account and was turned down. I have been discharged nearly 2 years.

I got the rejection letter through and decided to appeal. I wrote to them enclosing a copy of our discharge and 3 months bank statements of our Nationwide flexaccount to prove we can run an account properly!

Long story short, that worked and we have now got the account set up.:)

Thought Id share in case anyone else gives up at the first hurdle

alastairq

Angiepange wrote: »

I had read on here that some people had successfully opened a Co Op Smartsaver Account and others had been declined. We already have a Cashminder Account with the Co Op set up since our BR.

I applied over the phone for a joint Smartsaver account and was turned down. I have been discharged nearly 2 years.

I got the rejection letter through and decided to appeal. I wrote to them enclosing a copy of our discharge and 3 months bank statements of our Nationwide flexaccount to prove we can run an account properly!

Long story short, that worked and we have not [??}got the account set up.:)

Thought Id share in case anyone else gives up at the first hurdle

Thanks for that...however, you mention applying for the account, 'over the phone?'

To avoid further delay, I suggest informing the customer adviser immediately one applies....so that they can, immediately, flag up the appeal...on their computer.

This is what I did....and is the procedure my adviser recommend I pass on to anyone in the same position..... discharged BR or not discharged..it matters not.

Mine was applied for on a Saturday, and active by the following Tuesday.

[the letter of acceptance arrived days later, complete with cash card..the rejection letter even later than that...to be ignored, obviously!]

The Co-op advisers are very aware of the 'shortcomings' of their computer system...so are happy to do anything to speed things up.

The Co-op is one of those banks where the high standard of customer care [and satisfaction] is mainly down to the initiatives and responses of their customer advisers......rather than the nuts 'n bolts policies of the bank itself...so well done, Co-op customer advisers.....pat-on-the-backs for all?

IF

Hi Angie, thank you matey and lovely to see you :A

Love
If...x

Angiepange wrote: »

Long story short, that worked and we have not got the account set up.:)

I think you mean you got the account eh!! :D:p:p

Angiepange

ifwisheswerehorses... wrote: »

Hi Angie, thank you matey and lovely to see you :A

Love
If...x



I think you mean you got the account eh!! :D:p:p

Ooops :rotfl::o meant to type now, instead of not !!!

xxx

Angiepange

alastairq wrote: »

Thanks for that...however, you mention applying for the account, 'over the phone?'

To avoid further delay, I suggest informing the customer adviser immediately one applies....so that they can, immediately, flag up the appeal...on their computer.

This is what I did....and is the procedure my adviser recommend I pass on to anyone in the same position..... discharged BR or not discharged..it matters not.

Mine was applied for on a Saturday, and active by the following Tuesday.

[the letter of acceptance arrived days later, complete with cash card..the rejection letter even later than that...to be ignored, obviously!]

The Co-op advisers are very aware of the 'shortcomings' of their computer system...so are happy to do anything to speed things up.

The Co-op is one of those banks where the high standard of customer care [and satisfaction] is mainly down to the initiatives and responses of their customer advisers......rather than the nuts 'n bolts policies of the bank itself...so well done, Co-op customer advisers.....pat-on-the-backs for all?

Thanks alistairq

I did ask on the phone at the time of the application if I could appeal and was told I would get a letter through with details about how to do it. The advisor didn't mention he could appeal it there and then for me

That would have saved time, perhaps I was just unlucky?

alastairq

That would have saved time, perhaps I was just unlucky?

Maybe, it was I who was just lucky?

The adviser I spoke to knew a lot about BR, informing me their partner was in fact a discharged BR too.....

Maybe if one phones, one should ask to be put through to the department that deals with BR?

Straight away?