I rung up for a co op cashminder account, gave all my details and woman on other end of phone just said it been refered. Whats that mean. I know this will have been asked a few times before. Thanks
This does happen quite a lot with the Co-op. It can be for a number of reasons.
The vast majority of people are given an account even when they have been referred.
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
You will recieve a letter stating weather you were accepted or not. Usually a week to 2 weeks sometimes longer. Like Jan says the vast majority get acepted after being refered.
I applied for the same coop account and i thought everything would be fine until they done a credit check on me and declined me the next day. i dont understand why i got declined. i was not asking for any credit but stil a no.
they do not conduct a credit search with a cahminder account. I too got referred for this account, i think its fairly standard so dont worry. I just kept ringing them, and after about 5 days i got accepted.
Try Yorkshire bank as well while you are waiting. They offer a basic account, but you have to go into the branch
F&F Accepted on 12th March 2015!
Completion Cert arrived 26th March 2015!
It's most unusual to be turned down by the Co-op as they are IVA friendly and the check they do is normally just to check out your address.
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
Paul's right, if you're not on the electoral register the chances are you'll be turned down for a Cashminder account.
Also, was it definitely a Cashminder you applied for Amy? You can only apply on the phone or in a branch, but some people find banks automatically apply for a full account rather than a basic account.
I was refferred also, think it's common practice with co op. I got a letter confirming account app was sucessful. no credit check was done as was a cashminder I was totally up front about the iva
I was up front with my debts too and I went into the branch, they still automatically went for the full account and I was worried their computers would blow up or something but they just said, no worries a cash account it is then.
