I tried for a co-op acc the other day but i dont think it was a basic account, and we was turned down do u think we will get the basic is it credit scored??
Also have you had trouble with nationwide??
My Nationwide account was opened before the IVA. It's only since the new cards that we have had problems, although they do seem to be not as IVA friendly as they were.
As regards the Co-op, phone them up and enquire about the Cashminder Account. They are usually ok. Are you on the voters list? This does make a difference with them.
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
Phone up the Co-Op again Mitchymoo. They have local call centres and were brilliant. When i did, they asked if i had an IVA i said i didnt yet butmy credit rating was rubbish and was applying for one.I was totally honest with them, Chap on the phone didn't pry any further and i was approved there and then for the basic account. You get a debit card with Visa so can shop with it. no cheque book or overdraft, not that i have written a cheque in years and i DO NOT WANT AN OVERDRAFT ANYMORE!!! so all worked out for me. Nationwide will be the reserve account you never know when you need one!!!
The Co-op are brilliant, and the only reason I don't use them now is that I've got a pre BR full Nationwide account so it seems a shame not to use it. I've kept the Co-op account open so if Nationwide upset me I'll go back to the Co-op!
Good stuff guys i shall try Co-op again.. with my lloyds account i just want a back up plan as is if said a few time now we have debt with halifax but as my other half said to me our halifax ccard as an arrangement on so doubt theyd take the money from our account just wish halifax would let me set a plan on my over draft account x
Hi guys, still no joy on the bank account cant believe it.......have to wait for a decision from co--op n nationwide, just fingers crossed my lloyds account will be safe!!
Creditors Meeting booked in for 20th of oct 2 weeks today!!! Fingers crossed guys x
I'm surprised at the Co-op, you normally get a decision immediately. Did they say why you had to wait?
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
Yes they said it had been approved in principle, they need to look into it also nationwide same????? weird i only got my lloyds tsb account last month whilst on the phone she said you have been accepted for any account which we got the upgraded account. might just see how we go with lloyds, an set up savings with ybs-morg provider cos they offer a cash card just cant use it in shops or over phone!
also with lloyds r halifax cc has an arrangement so my husband says he doubts they take any money from it??
Jan u kept ur barclays account fine didnt you?? xx
Sounds like it's getting harder for people entering IVAs to get bank accounts. Fingers crossed for Co-op for you. I am with Lloyds too - transferred to them before I submitted my proposal but no problems since.
I`m with Yorkshire Bank. I did open my account a month before I started IVA proceedings, so I don`t know how they would recieve applications post IVA. Up to now I have been really impressed with them. I have a Maestro card and very good internet banking.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".
mitchymoo wrote:
Hi Goosed....i feel goosed at the mo!!! Cant believe its so difficult i havent even had creditors meeting yet!! EEEkks
Hang in there mitchymoo, you`ll soon be fine...The proposal drafting stage is most certainly stressfull and emotional, that`s for sure...Credit cards, eh?
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".
I know well 2 weeks today we will have our final outcome from our creditors meeting.........feel emotional today think its stressing me regarding the bank acc's. Credit cards i shall never have one ever ever again.....i will depend on cash only for ever....if i cant afford it i shall not have it or save!!! Just hope we can budget for an holiday still dont want it effecting the kids!! I will just have to pray that it will all work out,
mad how we just brush finace problems to one side when u look in more detail its actually alot more serious than u ever expected!! :)gotta keep smiling
