nationwide flex account

mwarby

Anyone on here know when Nationwide will accept an ex IVAer or bankrupt.

I currently have an unused basic account with them, but upgrade request online are instantly declined. I'm 1 year past IVA completion, about 18 months from going down IVA route, i've managed to obtain 2 subprime cards so i don't want or need an overdraft.

fermi

They upgraded mine a while back, but that was after everything was off credit files, so I can't if there is much chance before or not.

mwarby

The nationwide site\system is odd

Had a ad\offer displayed for a credit card, suggested I could have £1000 based on salary no doubt)limit then declined on credit check(I thought I would, but if accepted it would have built internal score)

Odd that they displayed a credit card offer to me, but won't let me pay for a bank account

dojoman

I have a cash card account with them (had flex account pre BR that was closed although I owed them nothing) Allowed me the basic account as soon as I was discharged, but have been told I cannot upgrade to the normal flex account again until the BR drops off my file which is November this year.

vintagebrighton

I found 'normal' bank accounts were a no no until my bankruptcy dropped off my credit file. So 6 years. Other's may have had different experiences.

VB x

philnicandevan

Hmm "normal" accounts....co op still wouldnt entertain me even 6yrs after bankruptcy....natwest however offered me a full account day after discharge....good old consistemcy sadly what one gets another wont..mad

mwarby

Will probably try pumping some money through over next few months, if that doesn't work give up for a few more years