Turned down for Co Op Cashminder basic account!!

innovate

bradztheman wrote: »

And yes, ive been with noddle a while. As i say i have 2 defaults, late payment marker, and a discharged bankcruptcy on my file.

Your Noddle should tell you whether you have a CIFAS marker.

MrsE_2

bradztheman wrote: »

According to this, there shouldnt be any credit checks on either barclays basic or co op cashminder:

http://www.moneysavingexpert.com/banking/basic-bank-accounts

They dont run a credit check, but they will be refused to anyone with a history of fraud.

bradztheman

How doni appeal it? What do you think i should say? And can i go into the branch and appeal do you think??

Surely im not a risk if on a cashminder account theres no risk of me going overdrawn as i cant have an overdraft facility etc??

innovate

bradztheman wrote: »

How doni appeal it? What do you think i should say? And can i go into the branch and appeal do you think??

Surely im not a risk if on a cashminder account theres no risk of me going overdrawn as i cant have an overdraft facility etc??

What do you want appeal about?

A basic current account does not protect you from going overdrawn. You have to control your money yourself. But if you have a CIFAS marker, you might not be eligible for a cashminder account.

Did you check out the YBS Cash Transactor account?

bradztheman

Whats a CIFAS?

Apparently i can appeal the decision.

Going to check out that account now.

innovate

bradztheman wrote: »

Whats a CIFAS?

http://www.cifas.org.uk/

bradztheman

Are there any more accounts like the ybs cash transactor account???

Just thinking i need something more nearer to my area plymouth..

bradztheman

innovate wrote: »

http://www.cifas.org.uk/

What do i do on that website???

bradztheman

What big named
Banks offer savings account that offers a debit card, direct debits, no credit
Checks etc?

innovate

Just take a really big breath.

Explore the links that people provided you with.

Take a lot more big breaths whilst you are at it.

I would be very surprised if did not find a way forward from the ideas and links provided to you in this thread. If you don't, the next best explanation is that you will not have tried hard enough, and you should review the thread and try again. Hopefully you can confirm you found a way forward.