Be careful if you have had your card changed from Maestro to Mastercard. I was reading this week that many retailers haven't upgraded their software meaning that cards are incorrectly identified as overseas cards or credit cards (rather than debit cards) and charges are made.
Apparently Paypal, Ebay and Amazon were 3 of the retailers involved.
Not yet in an iva, both my partner and myself have natwest accounts. My partners creditors are Northern Rock loan, Halifax c/c, MBNA c/c, Tesco c/c, Mint c/c. Mint and Tesco are i think natwest. Was looking at this, this weekend swapping accounts to Alliance and Leicester, they give you 100 pound to swap. Only trouble it says could take upto 8 weeks to process. Any thoughts. My creditors Halifax, Lloyds tsb, Capital One, Mbna all c/c. Think my account will be ok.
Try the Co-op. It comes highly recommended and will be open in a matter of days rather than weeks.
You may find that Santander (who Alliance and Leicester are part of) won't open an account for you.
Not sure what they are like with IVA's.
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 can try them, depends on whether or not you are prepared to wait.
As you are not in an IVA then the Co-op would probably give you a full account, and it would not take that long.
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
lol , when we changed our banks pre iva , husband went to hsbc and when they asked why he wanted to change banks he told them he had a shopaholic wife who kept spending the mortgage money , same afternoon i was in natwest saying my husband had A gambling problem !!! accounts opened and still running fine although we do now have coop cashminder as joint account .
doomandgloom, we have all been there or are there at the moment . things get better and slightly easier as you progress thru things .
xx and back to the bank accounts , they wanted statements from current bank which showed a whopping big overdraft that our salaries werent covering !!! so nice to have a bank account , with no overdraft ... mind got no dispoable money in it either ...... hey ho
Hi the Norwich and Peterborough offer basic accounts with a proper debit card you can use any where. You have all the usual things except of course overdraft. But then again Iam sure an OD is last thing you or any of us want lol. Yorkshire bank also have a maestro card with their easycash account. let us know how you get on
