Moving away from think banking

[ninja.tiger26]

Hi everyone, back in november i managed to do a F&F settlement on my iva a year early.

im trying to move away from think banking and paying them money for a account that really serves no purpose to me now. plus want to get into a 'normal' bank and start savings account.

however i seem to be turned down on any bank or savings account as i have been in this IVA which will keep on record for 2years.

can anyone reccomend a next move or any post iva advice.

many thanks

Matt

[Foggy]

If co-op weren't one of your creditors their cashminder is a decent, albeit basic, account. However, they are "fuuny" about savings accounts. Yorkshire Building Society do an e-saver savings account you can open easliy online.

[kallis3]

Hi Ninja - hope you are ok?

Have you tried the Co-op for a bank account?

[kev59]

I have a saving a/c with nat west but it was took out before going into the iva.

[ninja.tiger26]

havent tried co-op however im not sure if i can as smile banking ( part of co-op) was in my IVA am i still able to do any banking with them?

[ninja.tiger26]

hi kallis im well thanks and you?

[kallis3]

I'm very well thank you. It's nice to see you again.

Not sure about smile.

How about Nationwide or Barclays?

[ninja.tiger26]

thanks, you too. been a mad few months this end lol

i suppose if i talk to co-op they will let me know if its a issue or not. barclays however is in my bad list.

im looking at nationwide now and the account in bank they said anyone can get a card from says no to people in a IVA so i think nationwide may shun me.

its kind of annoying that im now in a nice financial state but there is no way to get onto the 'market' again. :/

[kallis3]

There's Yorkshire Bank or Building Society as well.

[ninja.tiger26]

brilliant, will give them a try - thanks

[kallis3]

Let us know how you get on.

[langerbridge]

Just read this thread. Yorkshire bank you will need to ask for readycash current account - basic account and should be fine. Savings - most building societies will be fine.
If you are struggling after that there is a list online of basic accounts & their names for each one. If you ring, go online or in branch & ask for an account you may get rejected as they won't push you to a basic account.
Good luck & hope it's not too stressful.

[footiemad]

I opened a savings account with Nat West after I started my IVA with no problem x

[ninja.tiger26]

http://www.moneyadviceservice.org.uk/_a ... counts.pdf has given me a few places incase anyone else finds this later

[kallis3]

Good luck ninja - hope you get an account sorted.