turned down for bank account

nire

Applied for a co-op cashminder account where I got a letter back asking for a certified proof of ID and address.


Sent a new application off with the requested certified IDs and they have just sent a letter stating 'after careful consideration we are unable to offer you the account requested'


I'm currently discharged and running out of options of getting my own account.


I don't have a Barclays that's nearby I could book an appointment.


At this stage I would think about those monthly fee accounts if anyone has no other suggestions?

philnicandevan

nire wrote: »

Applied for a co-op cashminder account where I got a letter back asking for a certified proof of ID and address.


Sent a new application off with the requested certified IDs and they have just sent a letter stating 'after careful consideration we are unable to offer you the account requested' May be other issues why they refused especially asking for ID etc..are you on the electoral role? did the co-op process your application by hand? (most done via computer WILL fail despite discharge etc) you can appeal in the meanwhile & see what they say


I'm currently discharged and running out of options of getting my own account.


I don't have a Barclays that's nearby I could book an appointment. it'd be worth trying other than that try some of the high street banks..natwest gave me an account after discharge no questions asked..just have a copy of discharge proof when they ask


At this stage I would think about those monthly fee accounts if anyone has no other suggestions? sadly I wont reccomend an account like that all them seem to be is to profit from other peoples need..with a little work you should be able to find a bank that will open an account without paying these leeches a monthly fee

Just a few random thoughts

egrescrimp

The FFrees family account is free and they are bankrupt friendly they do charge 75p to withdraw from an ATM though unless you pay for their top product.

whichwhydoIturn

Hello egrescrimp , what sort of account is that .i was discharged in May & left a fee paying account a few months later to go to natwest , okay , it's a basic account & I feel bit scared that my accounts not managed but I had to do it

whichwhydoIturn

Hello Egrescrimp , what is a FFrees family account ?

egrescrimp

Please see https://www.ffrees.co.uk/

Armorica

egrescrimp wrote: »

Please see https://www.ffrees.co.uk/

Although the small print at the bottom does note that it is not covered by FSCS/protected funds. But if the sums in the account are not major...

egrescrimp

Armorica wrote: »

Although the small print at the bottom does note that it is not covered by FSCS/protected funds. But if the sums in the account are not major...

It's an ideal account if you can't get an account with the cooperative or Barclays, most bankrupts won't have large amounts of cash to squirrel away in a bank anyway

nire

egrescrimp wrote: »

Please see https://www.ffrees.co.uk/

thanks for the replies. Looks interesting and will look into this one more. It's only to pay my wages into and get use of a debit card. £10 per month doesn't seem bad with free atm withdrawals.


On the talk of appealing co-ops decision. Does anyone know how you go about this.


I am on the electoral roll so can't see it being that.


Tried Nat west there but got declined in 0.01 seconds. Lol

alastairq

On the talk of appealing co-ops decision. Does anyone know how you go about this.

Simples, really.

First, apply again, but this time over the phone [to Manchester].

Explain exactly the product you want [CAshminder or two]....inform the customer adviser you are a Discharged Bankrupt [give details, date of Discharge, etc] and tell them to expect an immediate rejection.

Then ask them to immediately 'appeal'.

The appeal gets sent straight away to the department that deals with Bankruptcies.

Generally speaking, they get back to you pretty soon, and give details of what is required with regards to ID, etc, and how to go about it.

xylophone

It's only to pay my wages into and get use of a debit card. £10 per month doesn't seem bad with free atm withdrawals.

Have you thought of a saving account with atm card? See Internet Saver
http://www.ybs.co.uk/savings/online/index.html