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Another one to add to the list - First Trust Bank - £125 switch incentive

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Comments

  • starM
    starM Posts: 1,464 Forumite
    My experience so with First Trust Bank is pretty poor.

    1st Attempt - They typed my surname incorrectly.

    2nd Attempt - despite confirming it again and again they typed my first name incorrectly.

    Because of this I failed ID check. Both searches appeared on my Equifax credit report.

    Will try again in the future if offer exist.

    MS
  • veryintrigued
    veryintrigued Posts: 3,843 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hmmmm thats a bit strange that the call staff seem to have entered details incorrectly for, at least, a couple of non Northern Ireland residents?
  • A_Flock_Of_Sheep
    A_Flock_Of_Sheep Posts: 5,332 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker PPI Party Pooper
    I'd like to fleece this offer too. Anyone actually had a smooth experience? I can't see anywhere on the website about it being only for NI residents?
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
    I'm also curious, has anyone successfully taken advantage of this offer?
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • cheexy
    cheexy Posts: 472 Forumite
    Tenth Anniversary 100 Posts Name Dropper Combo Breaker
    I think I might give this one a miss... Seems like it would be better use of my time to go through the hassle of opening an additional Yorkshire/Clyde... account (gain £150) rather than have call center advisors "mis-type" my name for reasons best known to them all for £25 less.
    £47605.33 outstanding in C.C (£8000 Interest free till January 2025)
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
    cheexy wrote: »
    I think I might give this one a miss... Seems like it would be better use of my time to go through the hassle of opening an additional Yorkshire/Clyde... account (gain £150) rather than have call center advisors "mis-type" my name for reasons best known to them all for £25 less.
    Or transfer to YB, then switch to First Trust ;)
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • starM
    starM Posts: 1,464 Forumite
    thebritishbloke wrote: »
    Or transfer to YB, then switch to First Trust ;)

    That was my idea aswel. At the moment most of my accounts are being used to transfer over to YB. Once its all over and if offer still exist hopefully I will try again.
  • MARTYM8`
    MARTYM8` Posts: 1,212 Forumite
    Eighth Anniversary 1,000 Posts
    camperdown9 wrote: »
    Lucky you!

    Last year I applied online but before they would complete the application they wanted a solicitors signature on the application form. I think this was to confirm that they had witnessed me signing the form and that they had seen my passport.

    I also bank with Natwest in England, so maybe they just didn't like me!

    I think for historic reasons banks in NI are a lot more worried about money laundering - hence possibly the much tighter checks.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    thebritishbloke wrote: »
    I'm also curious, has anyone successfully taken advantage of this offer?
    You mean aside from the 3 people already reported as being successful with applications on this thread? ;)
  • MARTYM8`
    MARTYM8` Posts: 1,212 Forumite
    Eighth Anniversary 1,000 Posts
    YorkshireBoy wrote: »
    You mean aside from the 3 people already reported as being successful with applications on this thread? ;)


    With this bank it all seems very random - some English residents being accepted without question by phone and some NI residents being told they must go into a branch because you can only open an account in branch.

    Have First Trust outsourced their account opening call centre to Yorkshire/Clydesdale banks.:D
This discussion has been closed.
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