can they really refuse to offer a basic account?

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alison.sn

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Post by alison.sn » Tue Aug 03, 2010 5:46 pm
Apologies, but I have a follow up question to my initial one about trying to get a basic bank account. Many thanks for your replies, however, on getting the leaflets/application forms for Natwest Step Account and Nationwide Cashcard account they both state that if you currently are in an IVA do not apply!?. A few members have suggested the Co-op cashminder account but the nearest branch is over 30 miles away and since getting into such a debt mess I am a gibbering wreck when I use the phone!!. I realise that they don't particularly want people like me to open an account but can they really refuse to offer a basic account?
 
 

Skippy

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Post by Skippy » Tue Aug 03, 2010 5:49 pm
It is at the discretion of the banks unfortunately.

Don't worry about speaking to the Co-op on the phone, all of the call centre workers have been lovely.

Have you tried Abbey, Lloyds or Barclays?
 
 

kallis3

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Post by kallis3 » Tue Aug 03, 2010 5:50 pm
Doesn't matter that you don't have a Co-op branch near to you, you can pay into a post office.

You can only apply for it online or in branch though.

They can refuse you.
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
 
 

Skippy

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Post by Skippy » Tue Aug 03, 2010 5:52 pm
I think that's a typo Jan - you can only apply for the Cashminder in a branch or on the phone!

I had a Cashminder account and Jan is right, you can use the Post Office so you don't actually need a local branch.
 
 

kallis3

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Post by kallis3 » Tue Aug 03, 2010 5:55 pm
Sorry, how stupid am I?

Skippy is correct - in branch or on the phone.

Duh!!
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
 
 

Hammie1

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Post by Hammie1 » Tue Aug 03, 2010 8:20 pm
Hi

I agree with the other posters on here, who also recommended the co-operative bank to me. They were brilliant and very understanding as I told them that we were applying for a IVA and we just needed a basic account for salaries and to pay Direct Debit's. They did it all over the phone. Our nearest branch is also quite a distance and in a most awkward to get to place. But apart from only paying cheques in, which is done at the post office, everything else is either done on line or at any ATM machine. Definatley worth giving them a call.

Sam x
F&F accepted 12/8/13 - Awaiting Completion Certificate :-)
Thanks to everyone for your support. Could'nt have done it without you.
 
 

scaredykat

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Post by scaredykat » Tue Aug 03, 2010 8:29 pm
Hi, i have just opened an account with the yorkshire bank, and i told them that i was looking into doing an iva...had no problems they were very nice xx
 
 

kallis3

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Post by kallis3 » Tue Aug 03, 2010 8:42 pm
Both come highly recommended and good to see that they will take people who are having debt problems.
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
 
 

bigtrouble

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Post by bigtrouble » Wed Aug 04, 2010 7:36 am
try Lloyds - we have a fully operational account with debit card, cheque book - they state on their website that even if you have a poor credit history they will still be able to offer you an account
 
 

Shining

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Post by Shining » Wed Aug 04, 2010 7:57 am
All good advice above about various accounts, very helpful to members of the forum.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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