Credit card debts

RAS

Looking4silverlining said:

RAS said:

Did you apply for basic bank accounts? There is no credit check on them, but you get a debit card and can set up DDs. 

Oh Im not sure now.... It was a standard account, is that a basic one? It was the lowest I could see.

No, if you have to do a credit check, you are applying for a normal account.

The Co-op basic account is the Cashminder. Or try the Virgin Money M account. Santander's is just called a basic account.

stu12345_2

 i had a Santander  basic account for a year, closed it last week, never used it.
didn't like it, it has 2 cards , a cash card and a debit card, non contactless.
the cash card is only for hole in the wall machines, and the non contactless debit card only works if you transfer money from your account to it before you go to the shops with it 
what a carry on!!

Looking4silverlining

RAS said:

Looking4silverlining said:

RAS said:

Did you apply for basic bank accounts? There is no credit check on them, but you get a debit card and can set up DDs. 

Oh Im not sure now.... It was a standard account, is that a basic one? It was the lowest I could see.

No, if you have to do a credit check, you are applying for a normal account.

The Co-op basic account is the Cashminder. Or try the Virgin Money M account. Santander's is just called a basic account.

Oh I hope I haven't ruined the chance of getting one now Ive been refused?! Shal I try again with cop op for their basic account?

Looking4silverlining

stu12345_2 said:

 i had a Santander  basic account for a year, closed it last week, never used it.
didn't like it, it has 2 cards , a cash card and a debit card, non contactless.
the cash card is only for hole in the wall machines, and the non contactless debit card only works if you transfer money from your account to it before you go to the shops with it 
what a carry on!!

Ive got a Santander business account but I owe them the bounce back loan (4.5k) mind you I could keep it and just keep paying the £70 a month, tempting

stu12345_2

just try a basic account with Lloyds, it worked fine for wife.  she doesn't have any current accounts ,  the rule is don't bank with debts you owe that bank.

TheAble

Seems a bit daft. No you're not eligible, oh wait yes you are... 

enthusiasticsaver

Looking4silverlining said:

Oh for gods sake..... Co Op have refused me an account... What am I supposed to do if I can't open a simple bank account???

Didn't you try Starling too?  Maybe wait until you have had a response from them. 

Looking4silverlining

enthusiasticsaver said:

Looking4silverlining said:

Oh for gods sake..... Co Op have refused me an account... What am I supposed to do if I can't open a simple bank account???

Didn't you try Starling too?  Maybe wait until you have had a response from them. 

Starling, yes I did. Ideally I need two to keep business and personal separate though. My partner had trouble with Starling, they didn't like the address so we will see.

Looking4silverlining

stu12345_2 said:

just try a basic account with Lloyds, it worked fine for wife.  she doesn't have any current accounts ,  the rule is don't bank with debts you owe that bank.

I owe money to Lloyds so that's no good.

Looking4silverlining

Ive just read the bottom of the refusal email from co op, they are actually suggesting a cash minder account. Why on earth didn't that show up on their website when I was choosing which account I wanted. I honestly thought I was chasing the simplest one. Ill try again.