Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I just wondered the best way to go about things now? Will applying for a normal bank account with CO-OP affect my credit rating? Does the badic account flag anything? I am not sure whether now my report is clear I am sensible in trying to get a car on PCP ?
recovering wrote:I just wondered the best way to go about things now? Will applying for a normal bank account with CO-OP affect my credit rating? Does the badic account flag anything? I am not sure whether now my report is clear I am sensible in trying to get a car on PCP ?
I banked with the co-op, using a cashminder account, all through my IVA. When my credit record cleared up I went in and asked to convert to a current account as I needed a cheque book. They did it right away and also offered me a credit card at the same time.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
recovering wrote:I just wondered the best way to go about things now? Will applying for a normal bank account with CO-OP affect my credit rating? Does the badic account flag anything? I am not sure whether now my report is clear I am sensible in trying to get a car on PCP ?
I banked with the co-op, using a cashminder account, all through my IVA. When my credit record cleared up I went in and asked to convert to a current account as I needed a cheque book. They did it right away and also offered me a credit card at the same time.
I was nearly all the way through my online application and panicked! There is no branch near me now so I think perhaps I will ring rather than do the online application.
It is all a bit scary!
MerlinL14 wrote:Asda is open until 8PM, still enough time to pop out and get a couple of bottles of plonk . I really hope you have got over these hurdles now.
Thank you! Seems like an age but compared to 6 years it isn’t is it? May wait and see whether my score jumps up in 10 days at next update
hi sorry to be a party pooper,id wait until your off the insolvency register[3 months]
i tried to change my basic natwest account to a normal one and got knocked back all my
credit files are ok ,thats the only reason i can think of for the refusal
peersie
peersie wrote:hi sorry to be a party pooper,id wait until your off the insolvency register[3 months]
i tried to change my basic natwest account to a normal one and got knocked back all my
credit files are ok ,thats the only reason i can think of for the refusal
peersie
Something amiss there, Peersie. If you are still on the register your credit files shouldn't be clear as the IVA will show up under court information.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
[quote="peersie"]hi sorry to be a party pooper,id wait until your off the insolvency register[3 months]
i tried to change my basic natwest account to a normal one and got knocked back all my
credit files are ok ,thats the only reason i can think of for the refusal
peersie[/quote
I am off the register and have just got my files sorted
thats great recovering,all my credit files are clear foggy with great scores ,definetly nothing
under court info,ive been checking them regular after end of iva.cant think of anything else for refusual
can you foggy.ta
peersie
. I really hope you have got over these hurdles now.
