Don't think I can cope any more

Waspeze

Don't know if it's relevant but I went into coop straight after court on monday and mine was "referred".

dodecanese

Good luck in getting it sorted Gambit- hope youre feeling better.

jono_1uk

i think phil has prob got it bout right ...
they were very keen on proving i was me ...

hove_park_bench_bbc

The 'fairtrade' coop movement of banking is becoming two faced.
I was accepted on the phone 10 days ago, Asked for 1 proof of id. .Sent off, terse letter back.Go away. Relatively new discharged bankrupt. Have some history with them. Not recent.MANY DIFFERENT ADDRESSES SINCE!!

GLIMMER OF HOPE. from unlikely bank that i use to owe money too.
Loyds TSB.
Will give details tommorrow.
Need to check a few details.
Don't forget
THE POOR PAY MORE
Best Wishes

wherediditallgo

hove_park_bench_bbc wrote: »

The 'fairtrade' coop movement of banking is becoming two faced.
I was accepted on the phone 10 days ago, Asked for 1 proof of id. .Sent off, terse letter back.Go away. Relatively new discharged bankrupt. Have some history with them. Not recent.MANY DIFFERENT ADDRESSES SINCE!!

If your records show many different addresses within a relatively short period of time, eg 6 months here, a year there, 4 months at the next one, that can work against you. To be fair to the Co-op & Barclays, although they are supposed to be BR-friendly, they are banks at the end of the day, & all banks want to see you living in a relatively stable fashion. I think all banks ask for your previous address if you've lived at your current one for under 3 years, & if your records show several different ones, they may wonder why you move around so much. You're not looking for credit facilities, but if you have loads of addresses they might wonder how they'd reach you if you move around a lot & owe them money, or they might think you're using different addresses for nefarious reasons.

wherediditallgo

gambit wrote: »

Thanks for the pm, I have just done as you suggested. If it's only my ID I wonder why they didn't just write and ask me for more info??

If the issue is your name (i.e having two different names, as opposed to having only one but having insufficient ID for it), I don't think they'd put that in a letter as they wouldn't know they're really dealing with you, if you see what I mean. Once you ring them to query the letter, they should be able to tell you the reason for the refusal or give you an address/phone number to contact about it.

hove_park_bench_bbc

Thanks
My point was more the change of criteria.
One day yes. Then they changed there minds.
However
Applied for a lloyds silver account
on line
Credit checked, failed offered basic account.
That is a RESULT !
THANKS