Just been turned down for the decision in principle

droiderm

ValHaller wrote: »

You might think so. But my feeling is that this is a data systems issue within NW. I suspect that once you are on NW's system as a recent BR, a 'recent BR' flag stays set and is never re-evaluated according to the passage of time - in other words, they probably don't record the date of the BR and have no regard for the passage of time and the conduct of accounts.

I suspect you do not have the same critical flag set on your details as farside has

Your just speculating.
I suspect there is a credit file issue.

Farside

droiderm wrote: »

I was with NW from the day after declaring BR.

Really? Then the account you are getting will only be a cashcard account, Not a debitcard account. Sorry to be the bearer of bad news, Everyone i've talked to about this too has been the same.

Although there's not a lot of difference between the two, you can still use the cashcard like a debitcard to buy things, You just can't use it abroad.

Farside

droiderm wrote: »

Your just speculating.
I suspect there is a credit file issue.

there is NO credit file issue, I've checked them all and they are spotless.

droiderm

I had a cashcard account until yesterday. I applied for a full account yesterday and was accepted automatically. this is my point.

droiderm

Farside wrote: »

there is NO credit file issue, I've checked them all and they are spotless.

I would double check. Make sure you us ALL old addresses when applying for your file.

Farside

droiderm wrote: »

I had a cashcard account until yesterday. I applied for a full account yesterday and was accepted automatically. this is my point.

There's nothing wrong with my files, I have spent the past 7.7 years sorting them out, I'm an expert with that now. It's not like this happened yesterday lol

Farside

droiderm wrote: »

I would double check. Make sure you us ALL old addresses when applying for your file.

I do that often, Ive only lived at 2 seperate properties in my entire life haha

droiderm

Take a look at Nottingham building society's application form.
In particular the bankrupt question.

http://www.thenottingham.com/uploadedFiles/PDFs/MortgageApplicationForm.pdf

Farside

droiderm wrote: »

Take a look at Nottingham building society's application form.
In particular the bankrupt question.

http://www.thenottingham.com/uploadedFiles/PDFs/MortgageApplicationForm.pdf

Sound, I'll have a look now :T

Farside

i just pass that bankruptcy question (by 7 months) so i could try this bank