Nationwide B.S***

MrSmartprice

Nationwide are without doubt the best of the banks to deal with, especially for transactions abroad. Debit Card withdrawals are free, but so should Credit Card ones be too, if you have the credit on the card before you go. That way you are withdrawing your own money, not borrowing theirs.

It's certainly worth looking at your Experian/Equifax file, for two quid, if you have been refused. But it is true that they remain the best value on the High Street by being choosy. Someone I knew was a dodgy risk (Baines & Ernst material if you follow my drift) and the Nationwide just closed their account, saying they had to protect the good payers.

markmat

goldwing wrote:

We haven't checked with Credit Reference Agencies - Nationwide isn't that important to us that we'd want to spend money to find out what they're doing wrong.

Have to agree with MrSmartprice, it's well worth the £2 it will cost to get a copy of your file. I discovered last month that a card I closed over a year ago (and had received written confirmation from the lender in question) was still 'active'.

And, we'll move on from Nationwide.

I'm sure they're not perfect, but I'll certainly be sticking with them. At least as long as they continue to operate the same policy with exchange rates

Cardew

[QUOTE=
It's certainly worth looking at your Experian/Equifax file, for two quid, if you have been refused. But it is true that they remain the best value on the High Street by being choosy. Someone I knew was a dodgy risk (Baines & Ernst material if you follow my drift) and the Nationwide just closed their account, saying they had to protect the good payers.[/QUOTE]

I second that about the credit agency file. If you have a 'black mark' against you it can have far reaching consequences. It is also pertinent to point out that there are frequently mistakes on the file.

A long story, but my daughter had a problem at University with a credit card. She changed addresses - mail not delivered etc. Eventually I sorted it out using my address. My wife some while later applied for a M & S card and was refused. Checking with Equifax it turned out all of us in house had an entry against our names - merely for living at the address.