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Posted: Tue Jul 28, 2015 4:25 pm
by Shining
I do everything online including the upgrades but it's up to you whether you apply online or in branch.
Posted: Tue Jul 28, 2015 4:52 pm
by jolou
So lesley do you think l should apply for basic account first with natwest then if l get that upgrade at a later stage.
Posted: Tue Jul 28, 2015 9:02 pm
by Shining
It's what I did but looking at your original post, you're a month away from the 6 year mark so if you were to hang on for your completion certificate, clean up them credit files etc., you'd be able to go for a full account straightaway. However, the basic account is alright and does what it says.
Posted: Wed Jul 29, 2015 3:59 pm
by jolou
Thanks lesley I'm gonna wait till 18th of august that's when my 6 years is up and then try for a current account with natwest. I've applied for aqua credit card and been accepted with 300 hundred credit limit so wondering if my credit rating as gone up a bit.
Posted: Wed Jul 29, 2015 4:05 pm
by kallis3
It should have gone up.
Posted: Wed Jul 29, 2015 4:09 pm
by jolou
Think its cos l didn't think l ever get anything again kallis so not used to it. But thinking if l got that credit card l should be able to get current account when 6 years is up.
Posted: Wed Jul 29, 2015 4:13 pm
by Shining
It is a strange feeling, I agree when I first finished my IVA after about 6 months I decided to apply for a car loan. I KNEW it wouldn't go through but tried anyway and was surprised when it did!
I'm still paying it regular and my credit score is currently 4/5 with Noddle not sure how to get it to 5/5 as it's been 4/5 for ages and everything is paid on time etc.
Posted: Wed Jul 29, 2015 8:18 pm
by kev59
am with natwest and got turn down for a o/t on line . so went into the bank to talk with them with a copy of my c/c. sill never got a o/d for £200, but did get a c/card with them for £1000 will never use that much but, I will always go to bank and talk to a person.
Posted: Wed Jul 29, 2015 10:27 pm
by jolou
Think that's what I'm going to do go into the branch as think they help me more just hoping l can get a current account feel like I'm in the real world again.
Posted: Thu Jul 30, 2015 8:55 am
by Foggy
Must say I have stayed with my Co-Op Cashminder accounts. They do everything I want, apart from having a cheque book ... which, so far, I haven't needed.
I recently re-activated an account with Nat West for a project which needed a point to pay fees to (it has been sat dormant with a fiver in it throughout the IVA) but now the project is over I might let it go back to sleep again.
Posted: Thu Jul 30, 2015 1:42 pm
by jolou
I'm on my way to natwest bank now hoping l can have a word with someone in branch about an account. Not sure if l needed to make an appointment.
Posted: Thu Jul 30, 2015 1:47 pm
by kallis3
Hopefully you can get it sorted today.
Posted: Thu Jul 30, 2015 2:14 pm
by Shining
Hoping it's all sorted for you let us know. x
Posted: Thu Jul 30, 2015 2:15 pm
by jolou
Natwest said they wouldn't do anything till 6 months after the 6 year is up. Barclays said 6 to 12 months after the 6 years is up. Said l done rite thing getting a credit card and to build my credit up on that.
Posted: Thu Jul 30, 2015 2:17 pm
by jolou
Was gonna ask in other banks there's nationwide and santander but they probably say the same.