referred application on basic bank account

damian24

Hi all,

I posted earlier requesting which basic bank accounts to apply for and have just applied with the coop and nationwide and they have both been referred, is it possible I may get rejected for a basic bank account, my credit is quite poor but I am about to go on a dmp and need an account.

evab_2

I got refused a basic bank account with Cahoot recently, have pants credit score so leaving any financial issues that need credit checks for a long time. Hopefully by then score will be better (moved house 9 months ago, moved bank 9 months ago and two late payments recorded on credit file).

RAS

Check out the Bankruptcy board. They list three accounts that are Ok for BKS.

And make sure you ask for a basic account.

Alternatively, check out the post office.

piptom&AndyPandy

Nah you'll be fine I was referred too and it's fine it's if you've not been on voters roll or something like that they'll ask you provide ID

jo1972

A proper basic bank account from Nationwide can only be done by going into the branch and asking them for the account that doesn't require a credit check. Anything else you do online or if you don't ask for this specific account will mean that it is not basic. I was told this by a Nationwide customer service woman on the phone after I was turned down and I was surprised. This is the advice she gave me.

HTH

christhesparky_2

I was refered when i applied for the coop account, went through no problem, apparently they refer the majority of aplicants