Appealing a decision

DCFC79

redditrabbit wrote: »

All she said was credit scoring, then asked if I had seen my credit file recently, so guessing it is external rather than internal

As mentioned to submit an appeal you need to know what you failed on but you wont find that out, you could send in all the evidence you have and it won't overturn the decision.

Consider the previous advice and choose another bank.

[Deleted User]

Having looked, there aren't many banks now that do packaged accounts.


I have an account with TSB, but they aren't upgrading accounts at the moment, plus I needed family cover on the mobile phone insurance, TSB only offer one phone, same with NatWest, in fact they all do

Ed-1

redditrabbit wrote: »

Having looked, there aren't many banks now that do packaged accounts.


I have an account with TSB, but they aren't upgrading accounts at the moment, plus I needed family cover on the mobile phone insurance, TSB only offer one phone, same with NatWest, in fact they all do

What type of account do you have with TSB?

wizzywig27

I have just looked, I have a classic plus and the option to upgrade isnt there at the moment

Ed-1

wizzywig27 wrote: »

I have just looked, I have a classic plus and the option to upgrade isnt there at the moment

It's interesting as TSB claim that you are able to upgrade from Classic to Plus online:



However the upgrade option isn't there if you have a Plus. I don't know whether it's there if you have Classic.

wizzywig27

Ed-1 wrote: »

It's interesting as TSB claim that you are able to upgrade from Classic to Plus online:



However the upgrade option isn't there if you have a Plus. I don't know whether it's there if you have Classic.

Yes but he needs the silver for the ‘perks’ he wants

I get the following;

Upgrades to Added Value Accounts temporarily unavailable.
We’re building a better bank for you, so please bear with us while we upgrade our systems.

We’re sorry, but this means you can’t currently upgrade to our Added Value Accounts.

Keep an eye out on this page and we’ll let you know when it’s back up and running.

Ed-1

wizzywig27 wrote: »

Yes but he needs the silver for the ‘perks’ he wants

I get the following;

Upgrades to Added Value Accounts temporarily unavailable.
We’re building a better bank for you, so please bear with us while we upgrade our systems.

We’re sorry, but this means you can’t currently upgrade to our Added Value Accounts.

Keep an eye out on this page and we’ll let you know when it’s back up and running.

It'd be interesting to know if any upgrade option is there if you have a Classic account, as upgrading to Plus is supposedly possible.

[Deleted User]

I have appealed. If they overturn it, would it be possible to do a switch for the £100 after the account has been converted or does it have to be at the time of application?

DCFC79

redditrabbit wrote: »

I have appealed. If they overturn it, would it be possible to do a switch for the £100 after the account has been converted or does it have to be at the time of application?

I believe some let you do the switch once the account is opened, what does the T&C's say for the account ?

[Deleted User]

DCFC79 wrote: »

I believe some let you do the switch once the account is opened, what does the T&C's say for the account ?

Having looked it states:

Step 1: Once the recommended friend receives the link from the recommender they must then complete a full switch using the Nationwide Current Account Switch Team to transfer an existing current account with another provider to a Nationwide FlexAccount, FlexDirect or FlexPlus current account. No other Nationwide current accounts qualify for this offer.
When the full switch is started the recommended friend will be given a Current Account Switch reference number which will be needed for Step 2 below.
The switch must close the old account.
A minimum of two existing Direct Debits on the old account must be transferred as part of the switch. Other types of automated payments, such as Standing Orders and recurring card payments, will not count towards this.

Step 2: Once the full switch has been started the recommended friend will need to complete the recommendation form accessed through the link given to them by the recommender. The Current Account Switch reference number must be entered on the recommendation form.
The full switch must be completed and the recommendation form must be submitted to us within 90 days after the start date shown on the recommendation form.
We’ll only accept one online recommendation form for the recommended friend even if the friend is recommended by more than one recommender.

Have I read that right in that you have to open the a count first then initiate the switch using the link provided?