NatWest Savings -Credit checks!!!!

PROLIANT

I got the LLoyds TSB cash account with the VISA debit card no problem, I have bad credit, why didnt you get the account, it is designed for bad credit.

jonesMUFCforever

PROLIANT wrote: »

I got the LLoyds TSB cash account with the VISA debit card no problem, I have bad credit, why didnt you get the account, it is designed for bad credit.

It may have been because there was fraud or Cifas or bankruptcy marker on his files?

Bosie

I have been discharged from bankruptcy over 3 years, in the literature from LTSB it said no undischarged bankrupts or fraud. I thought with me being discharged they may have opened an account.
Anyway, I've opened a Yorkshire Building Society account ''cash transactor'' no problems at all.
All my bills and DD's SO's are going out of that.
Hey, they even brewed me a coffee whilst they open the account:D
I'm going back to basics, I remember the old days when I got my little brown wage packet and never got in debt! Infact, I remember in my lunch hour nipping over the road to NatWest and opening an account in less than 10 mins, paying in book, cheque book - how simple life was then.

Tabasco

As Proliant said, these checks are not credit checks, they are for verifying your identity/address so what you pay in can be traced back to you. My company uses Equifax to do this if we don't receive a ID cert from your financial advisers or ID documents from our clients.

If you want to avoid searches/enquiries, you should send a certified copy of your passport/driving license along with a recent utility bill when you apply for any new financial account.

YorkshireBoy

Tabasco wrote: »

If you want to avoid searches/enquiries, you should send a certified copy of your passport/driving license along with a recent utility bill when you apply for any new financial account.

Where, on the above documents, does it show your electoral roll status, CIFAS markers, CCJ's, bankruptcy status, etc?

I'm afraid you can't you can't "avoid" searches (neither credit reference nor fraud prevention agencies, and recorded/unrecorded) by sending the above documents.

Bosie

Just an update really, the Natwest Savings Acount was opened and strangely enough my card came today to use with the account and it's a Solo Debit Card.
So I can save for my holidays and pay with the card!

Bo

jonesMUFCforever

Bosie wrote: »

Just an update really, the Natwest Savings Acount was opened and strangely enough my card came today to use with the account and it's a Solo Debit Card.
So I can save for my holidays and pay with the card!

Bo

Do Nat West do debit cards on savings accounts then?

Bosie

On the First Reserve Savings they do! It's also got Maestro on the back, it says in the leaflets that came with it, Maestro for use a broad!

Jonnno_2

Bosie wrote: »

On the First Reserve Savings they do! It's also got Maestro on the back, it says in the leaflets that came with it, Maestro for use a broad!

The first reserve is the only savings account we do with a card. And as you said its only solo, but apparently you can use it abroad subject to the relevant charges.