CASHMINDER ACCOUNT

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SPENCER23

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Post by SPENCER23 » Sun Mar 23, 2008 8:29 pm
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EVENING ALL, IT LOOKS LIKE I'M GOING TO NEED TO OPEN A NEW BANK ACCOUNT, AND FROM WHAT I'VE SEEN ON THE FORUM, THE CO-OP CASHMINDER SEEMS TO BE THE ONE PEOPLE ARE OPTING FOR. DO THE CO-OP RUN A CREDIT CHECK ON YOU BEFORE YOU CAN OPEN AN ACCOUNT, AND DO THEY ASK ANY QUESTIONS REGARDING YOU'RE CREDIT STATUS, I'M IN THE EARLY STAGES OF APPLYING FOR MY IVA AND OBVIOUSLY MY CREDIT STATUS IS PRETTY GRIM, I'VE JUST SWAPPED FROM LTSB TO HSBC, BUT HAVE READ THAT HSBC WILL CLOSE MY ACCOUNT ONCE THEY SEE THAT I'M IN AN IVA, ANY ADVICE APPRECIATED THANX
You can lead a horse to water, But a pencil must be led!
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Skippy

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Post by Skippy » Sun Mar 23, 2008 8:33 pm
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You shouldn't have a problem opening a Cashminder account. The account is designed for people with poor credit - I'm bankrupt and I didn't have a problem opening one. You have to open the account either on the phone or in a branch, and I think they check the electoral roll, but not your credit rating.
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AlanO

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Post by AlanO » Sun Mar 23, 2008 8:41 pm
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Co-op Cashminder is a good account and there usually no issues in opening provided you have good ID. Also Barclays cashcard account is good as they have wider branch representation.

All the best alan

www.debtdr.co.uk
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SPENCER23

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Post by SPENCER23 » Sun Mar 23, 2008 8:46 pm
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THANX GUYS,BARCLAYS NOT AN OPTION, LOOKS LIKE THE CASMINDER
You can lead a horse to water, But a pencil must be led!
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pignbroke

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Post by pignbroke » Sun Mar 23, 2008 8:46 pm
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Hi there, i opened an account with the Nationwide when i entered into my IVA, just a basic account but it has everything that i neeed, their online banking is a good facility.

Pig
Guess what !, even in a IVA the earth still spins, WOW
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sblack

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Post by sblack » Sun Mar 23, 2008 8:49 pm
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Has anyone had any experience with the Yorkshire Bank whilst in an IVA ?
"Life is too short to wake up in the morning with regrets. So love the people who treat you right, forget about the ones who don’t and believe that everything happens for a reason. If you get a chance, take it. If it changes your life, let it. Nobody said that it’d be easy, they just promised it would be worth it."
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ValiantGal

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Post by ValiantGal » Sun Mar 23, 2008 9:34 pm
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I'm with Natwest, they do a basic bank account called Step. I've not had any problems with them.
24/60
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rachellxx39

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Post by rachellxx39 » Sun Mar 23, 2008 9:36 pm
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i opened a cashminder in dec 2007 before my iva was approved . I applied over the phone and received electron card 7 days later. Everytime you need customer services they are fab. I have also last mth opened a saving account no problems and i havent come across anywhere yet that does not take my electron card.
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joh71262

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Post by joh71262 » Sun Mar 23, 2008 9:36 pm
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I popped in to the local Co-Op bank and the chap in there was very good and understanding of my situation. You can use LINK machines with the electron card and whilst some online places don't accept them, many do so if you shop online as well, all is not lost.
There's light at the end of the tunnel - it's just that sometimes the tunnel seems so long.

IVA Complete June 2009
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angela18

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Post by angela18 » Mon Mar 24, 2008 8:25 am
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we opened a joint SMILE acct, with theco-op. we done it all online. they give us a £500 overdraft which we just emailed and asked to remove, mailed back straight away to say it had done.

we also have a halifax easycash
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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joh71262

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Post by joh71262 » Mon Mar 24, 2008 11:31 am
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That's strange - SMILE wouldn't let me open one with them when I asked - they were my first port of call.
There's light at the end of the tunnel - it's just that sometimes the tunnel seems so long.

IVA Complete June 2009
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angela18

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Post by angela18 » Mon Mar 24, 2008 3:20 pm
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it maybe as we have not entered our IVA as yet, still in proposal stage.. we hadn't missed any payments either. when we applied online nothing was asked though re credit circumstances
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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