Jordanparly92 Posts: 26 Forumite
First Anniversary Name Dropper First Post
edited 26 October 2022 at 1:38PM in Credit file & ratings
I recently transferred my mortgage over to nationwide saw the deal they have on at the moment regarding cash back for transferring a current account and applied

 Had an email after the application advising a few extra checks are required did an online chat a few days later was advised I needed to take some id to branch

 Did so but was advised my application was stuck in the system this will be deleted and I was asked to start a fresh application in branch

 I did this The system keeps getting stuck on the over draft questions I was told this was likely due to me not being accepted for an account due to poor credit I never actually got any refusal the system just wouldn’t let me proceed with the account without agreeing to an overdraft I didn’t want

 This makes no sense I know changing my mortgage provider in itself is a negative credit factor but so much so I am refused a bank account?


  • It's quite likely simply down to having swapped mortgage and not allowing time to change. I would suggest checking all 3 credit files for anything like late payments etc but otherwise give it a few months of the usual stuff of paying mortgage on time etc
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