i been refused for bank acc

piniguotis

hello,

i was refused to open normal bank acc today.

i dont know what to do :mad::mad::mad:..

i ordered my credit score yesterday, but waiting for some papers to come thru the post that i can log in and check them online.

so it will take couple days. can you help me, or suggest me to sort this out

thanx

Fedz

Could be a multitude of different reasons

If you applied for a full current account then they'll credit check but, if you applied for a basic bank account then they generally don't.

The latter has more success due to the lack of credit check.

Maybe open a basic current account first and when they see you've been using the account properly, you have a higher chance of being upgraded.

It's always better to have your salary going in and use the debit card often, maybe have a linked savings account with some money going into it too

chuckley

happened to me with nationwide and their flex acc... turns out there had been a problem with my address or something altho there were 4 CIFAS things on my file due to my last address for 4 different people... i cant work out if that means ill always get trouble when trying to get credit...

i may go down the basic acc route then try and upgrade... as i need the card by august!

Fedz

Banks do take in to account your internal score with them when deciding, it's not *the* major contributing factor but, does have strength when considering a potential upgrading

piniguotis

so maybe somebody knows where can i open bank acc without credit check ??
i just need to get normal bank account, with acount number and sort code for standing order and direct debit.
Many Thanx

Fedz

Please see my recent post from thread:
which bank will take me on!!!!!

Hope this helps

ShelfStacker_3

piniguotis wrote: »

so maybe somebody knows where can i open bank acc without credit check ??
i just need to get normal bank account, with acount number and sort code for standing order and direct debit.
Many Thanx

Three answers, given them twice before

- Basic bank accounts, no debit card but all the functionality you ask for. Try HSBC as they might upgrade you to a fully fledged account with debit card if your account is conducted well.
- Co-Op Cashminder, Visa Electron debit card as well as everything you asked for, they don't have many branches though
- Citibank are apparently a good bet for some people

HTH.

Fedz

ShelfStacker wrote: »

Three answers, given them twice before

Some people won't be happy until you specifically and directly point them to one single bank. Then when their not suited they'll come back complaining rather than make their own choice from a multiple source

ShelfStacker_3

Fedz wrote: »

Some people won't be happy until you specifically and directly point them to one single bank. Then when their not suited they'll come back complaining rather than make their own choice from a multiple source

Thank you for the advice for one blinkered newbie :P I will remember to keep this in mind and just shout HSBC Basic Bank Account at the top of my voice next time...

Fedz

ShelfStacker wrote: »

Thank you for the advice for one blinkered newbie :P I will remember to keep this in mind and just shout HSBC Basic Bank Account at the top of my voice next time...

:rotfl:

It's a sad fact some people want you to be a donkey for them rather than check out the choices themselves :rolleyes2

I mustn't complain too much it'll give me a bad name

piniguotis

hahaha not eally funny, i tried to open bank acc in hsbc, abbie bank, natwest and nationwide and all of them refused me for current account, thats why im asking your help. sorry for being not a good forum wizz like all you lot

many thanx