turned down for bank account

nire

xylophone wrote: »

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

Looked good but doesn't seem to allow wages to be paid into it?


Your initial deposit can be by cheque. Any cheques subsequently received will be returned to you. . We do not accept Postal Orders . Additional deposits (minimum £1) must be transfers, either from another bank or building society account, e.g. by standing order, or another account held with the Yorkshire. Deposits by account transfer will start to earn interest on the day they are credited to your

nire

alastairq wrote: »

Simples, really.

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

Is there a separate number when you can apply over the phone? I thought it was only by post for the cashminder?


(Now I know why everyone's advice is open the account before BR)

philnicandevan

nire wrote: »

Is there a separate number when you can apply over the phone? I thought it was only by post for the cashminder?


(Now I know why everyone's advice is open the account before BR)

On 08448 44 88 44
or 08457 212 21224 hours a day


or alternate numbers on saynoto0870

http://www.saynoto0870.com/search.php

dojoman

nire wrote: »

Is there a separate number when you can apply over the phone? I thought it was only by post for the cashminder?


(Now I know why everyone's advice is open the account before BR)

You have always been able to apply by phone but never online, good luck with your application.

alastairq

(Now I know why everyone's advice is open the account before BR)

The above followed on from a change-of-policy regarding Bankruptcy, on the part of Co-op.

The advice refers to Co-op's current policy of not opening new [Cashminder] accounts to a customer who is an Undischarged Bankrupt.

Co-op's online application system is much like that of any other bank.....it refers to a customer's credit record, and anything like insolvency, or even defaults, gets red-flagged.

Nothing unusual in this..it happens in other fields of finance as well, for example, insurance? [how many times have we applied online for a quote, only to be told to 'phone this number?']

Applying directly to a real person allows for the application of discretion.

xylophone

Looked good but doesn't seem to allow wages to be paid into it?

Surely payments can be paid in by bank transfer from your employer? The account has a number /reference and a sort code - have you checked with the Yorkshire?

I have one of these accounts and have regular electronic payments from an external source.