recovering wrote:I have just been turned down for a current account by co-op Anyone have any idea why? All my credit files are ok as you onow I just got a new car? I tried ringing them to discuss before i applied but they told me to do it online
No idea why -- but, if the ran a search on you, although they are not obliged to say why, they do have to tell you which agency they used, so you know where to look (alternatively Noddle or Clearscore will show who searched either of them, in due course).
I had cashminders throughout my IVA and they were eager to upgrade as soon as my credit file cleared, as well as offering me an, unasked for, credit card. But that was done in branch ... and we even chatted about my IVA, so they were well aware.
The very kind Mike at Zebra checked them for me before i applied for my car. I tried to talk to them on the phone as there is no branch near me amymore and got told to just apply online . It says to write to them to appeal
I will try and ring again tomorrow but can’t see how anything has changed on my report in 2 weeks since I got car finance?
Depends what you are looing for in a bank account - Nationwide is a good option.
If you looking for "green creditials" in your bank - Nationwide tops the Co-op bank (Ethical Consumers) - as the co-op was sold to a hedge fund management
The good thing about the Nationwide - is you do it on line - you usually get instant decisions - even if you start with a basic account you can usually upgrade within a few months
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