Does Nat West credit check to change from current account to rewards account ?

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welshwiz

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Post by welshwiz » Fri Sep 16, 2016 4:47 pm
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Does anybody know if Nat West credit check to change from current account to rewards account with them, have read on here they close accounts with IVAs and they don't know about ours
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kallis3

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Post by kallis3 » Fri Sep 16, 2016 4:53 pm
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Hi,

No idea on this one - perhaps a quick anonymous call to 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
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Foggy

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Post by Foggy » Fri Sep 16, 2016 7:32 pm
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Probably.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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esgt1967

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Post by esgt1967 » Fri Sep 16, 2016 8:04 pm
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Hi, I've just switched our Natwest Basic Account to a Rewards account with no problem whatsoever -probably because they are charging you,they don't really care!
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footiemad

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Post by footiemad » Fri Sep 16, 2016 8:07 pm
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Yes they do check and if they discover the IVA will refuse to change to the rewards account. I have a select silver and they didn't close my account though. The chap in my local natwest told me to pop in when the iva is off the register and he would try again.
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watzki

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Post by watzki » Fri Sep 16, 2016 8:31 pm
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We are in an iva and changed to a rewards account no problem.Also they know we are in an iva
Today 1st of December 2016 the vultures finally flew away
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Foggy

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Post by Foggy » Fri Sep 16, 2016 8:36 pm
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Natwest are particularly inconsistent with their attitude to IVA's. I suspect the computer says "No" but branch managers who "have a pair" over-ride it.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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footiemad

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Post by footiemad » Fri Sep 16, 2016 8:40 pm
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Watzki, did you go into your branch or do it online? I went into the branch and the person I saw tried his best to get it through but to no avail. Must admit I'm tempted to try again online this time.
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esgt1967

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Post by esgt1967 » Fri Sep 16, 2016 8:44 pm
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I did everything online - log in and there is an option to upgrade or you can have a look at the Rewards accounts and then select them. Good luck.
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Foggy

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Post by Foggy » Fri Sep 16, 2016 8:50 pm
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by footiemad

Watzki, did you go into your branch or do it online? I went into the branch and the person I saw tried his best to get it through but to no avail. Must admit I'm tempted to try again online this time.
Be careful as it might leave a trace on your credit record for the next couple of years --- then, when your file is clear they will wonder why they refused you twice before and double check.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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footiemad

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Post by footiemad » Fri Sep 16, 2016 8:52 pm
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Thanks for that esgt1967. I'm wondering if it was because I was applying for the rewards silver that it was rejected. I'll see what happens!!
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footiemad

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Post by footiemad » Fri Sep 16, 2016 8:55 pm
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Good point Foggy. Hadn't considered that. Think I'll forget about it until the 6 year clear up.
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watzki

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Post by watzki » Sat Sep 17, 2016 9:53 am
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I did it online and was accepted although this was an upgrade from the account we had
Today 1st of December 2016 the vultures finally flew away
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welshwiz

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Post by welshwiz » Tue Sep 20, 2016 9:19 am
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thanks for replies, mine will be an upgrade have completed IVA but doesn't come of record for another 18 months, might just wait
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