Originally posted by koni
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Re: current accounts
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Re: current accounts
Originally posted by billypre View PostIs it First Direct online who guarantee a current acocunt to anyone ? Costs £12.50 a month i think. Better google it !!
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Re: current accounts
Originally posted by koni View Postmy better half cannot seem to get a current account from anyone...
She had a basic cash account with Barclays, but that is it.
she has one default, which is 3.5 years old on her Equifax file, Call credit is clean, Experian is clean
we have a joint CCJ which is coming on for 4 years old now.
she only earns around 6K per year, which i think is the problem.
She has applied to Barclays for an upgrade to a current account, they fobbed her off with "you didnt meet our minimum criteria"
HSBC said the same
Natwest offered a STEP account, whch is not a full current account.
Do you guys / gals have any recomendations for her ?
Red font - That is why she cannot obtain a full account, the CCJ stops this for 6 years unless the bank feel generous! Few are feeling so right now lol...
Blue font - Utter nonsense, this would only reflect the reason if it was a pre-qualifying account (ie you must earn £X,000 per annum).
The reason Barclays said she didn't meet their criteria is also the red font reason.
Basically forget full banking until the CCJ is gone, a basic account is the best you'll get unless a bank feels generous however if you did not declare the CCJ and they find out they can (and will) close the account........ be warnedLast edited by Never-In-Doubt; 1 February 2011, 07:32.
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Re: current accounts
thanks for the recomendation but the cashminder is a basic bank account, not a full blown current account.
She already has a basic account with barclays which came with a visa debit card etc, and as per my original post she was offered a step account by natwets, but again this is just a basic account, not a full current account.
the halifax account is now open, and even came with a 100 quid o/d
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Re: current accounts
Good news Koni.
I'm with Gerry and Caspar in recommending the Cooperative Cashminder account.
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Re: current accounts
Which recommend the Co-operative.
http://www.co-operativebank.co.uk/servlet/Satellite/1193206375355,CFSweb/Page/Bank
Gerry x
Sorry a wee bit late..
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Re: current accounts
I'm with the co-operative. They have an account called Cashbuilder - a basic bank account with DD and SO facilities and a Visa Electron card. No OD facility allowed at all and this is strongly enforced. I don't know anyone who's been turned down for one of these though, and I've been really pleased with them - been there five years now. They even offered me an upgrade to a "proper" current account, but I don't want the temptation.
Halifax I believe do a basic current account without it even involving a credit check.
Google Basic Bank Accounts for others - there's quite a few out there, but from personal experience I've found the co-op brilliant. No doubt others will have found the exact opposite!
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Re: current accounts
I found halifax the easiest but this was the pre lloyds days.
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Re: current accounts
Is it First Direct online who guarantee a current acocunt to anyone ? Costs £12.50 a month i think. Better google it !!
Leave a comment:
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current accounts
my better half cannot seem to get a current account from anyone...
She had a basic cash account with Barclays, but that is it.
she has one default, which is 3.5 years old on her Equifax file, Call credit is clean, Experian is clean
we have a joint CCJ which is coming on for 4 years old now.
she only earns around 6K per year, which i think is the problem.
She has applied to Barclays for an upgrade to a current account, they fobbed her off with "you didnt meet our minimum criteria"
HSBC said the same
Natwest offered a STEP account, whch is not a full current account.
Do you guys / gals have any recomendations for her ?Tags: account, accounts, bank, bank account, bank of scotland, banking, bankrupt, banks, barclays, basic account, branch, card, cash, ccj, co-operative, comi, contract, costs, court, credit, criteria, current account, current accounts, data, decline, default, defaults, equifax, experian, files, first direct, google, halifax, hbos, letter, lloyds, money, niddy, o/d, online, overdraft, overdrafts, pay, phones, scoring, virgin
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