That's an interesting sequence of events markiboy. I haven't been so lucky as, having been with Nationwide all the way thru the IVA and obviously never having gone a penny overdrawn, I tried to upgrade from my basic Flex Account to Flex Plus online and it said I couldn't.
My 6 years was up on 29 June 2013 and I have my cc. I am now assuming that the problem has been caused by the jackasses at Equifax who have very helpfully - not - failed to delete the reference to my IVA on my credit report. Call Credit [Noddle] and Experian did it, no problem; and all defaults are off on all 3 reports. Mind you, the online rejection was split second, so I wonder if they had time to consult the CRA databases?
Last edited by brokebryn on Wed Sep 18, 2013 5:37 pm, edited 1 time in total.
Last monthly payment made 3 June 2013 after 6 long years. CC issued 21 August 2013, but, er, lost in the post. Finally got it 17 September.
What i mentioned was - if you have a basic nationwide account - they wont allow direct upgrade to Flex plus - it has to be from either flex account/flex direct accounts
Ginger is right and I should have said. I phoned them. I went from a Basic account due to my IVA to a flex account. After a couple of weeks they phoned me and they upgraded me to a Flex plus account and they put me through for a credit card. Yes if on the CRA you still had the IVA then no. But as said before check all 3 CRA and if the 6 years is up and you have your CC then there shouldn't be a problem. Nationwide do their searches with Experian. Check that one.
Thanks markiboy, that's very helpful. Experian have cleaned up my file and there's nothing on it now. I'll certainly wait until Equifax get their act together and once that's done I'll give Nationwide a call. 12% is a fab rate, hope I can get that too, though it will only ever be used in emergencies or abroad. Like you, I'm very wary of credit now which is hardly surprising.
Last monthly payment made 3 June 2013 after 6 long years. CC issued 21 August 2013, but, er, lost in the post. Finally got it 17 September.
markiboy - Please could you tell me how you managed to discover that nationwide do their searches with experian? That one is absolutely clear for me. Is that info about banks etc. freely available?
I have since discovered that I am actually already on a Flex account; debit card / no overdraft / no fee etc.
Last edited by brokebryn on Thu Sep 19, 2013 2:04 pm, edited 1 time in total.
Last monthly payment made 3 June 2013 after 6 long years. CC issued 21 August 2013, but, er, lost in the post. Finally got it 17 September.
