Hi, Applied on-line for a co-op standard current account with no overdraft facility, and just recieved an e-mail saying its been declined!! Please any advice on what the next course of action to take, as i thought this would sail through and i need a new account asap!!
When I initially took mine they told me if declined for the normal "current" account than I could be offered a lower account...."shy bairns get no sweets matey".
I came into this world with nothing and still have most of it left!
Thanks for the advice, nothings ever blo*dy simple is it!!lol, i will apply over the phone tomorrow, thanks again for the prompt advice. By the way what type of card do you get with the cashminder account?
Hi I applied over the phone for a Cashminder, probably loads of defaults on my credit score by now. It went through fine. They said it was a Visa Debit card but I haven't received it yet to confirm.
7 year IVA completed in December 2016 - there is light at the end of that tunnel
Are you actually in an IVA as i joined Natwest before mine went through and did it all online (just their basic account) you get Solo which is pretty much accepted everywhere and the best part is you get Online banking which i use pretty much every day!
Hi Sarah, i currently bank with Natwest and have a loan and credit card with them, so its a no-go with them unfortunately, currently in the process of having an IVA drawn up
I also applied for NatWest and yes the solo card is accepted most places. The worry I had was that NatWest are part of the RBS group so may be able to link the account with my creit card debt and as such close the account of filter out the money, hence applying for the Co-op.
Co-op are only linked to Birmingham Midshires (I think), so no debt trail there.
7 year IVA completed in December 2016 - there is light at the end of that tunnel
the cashminder account with the coop is a visa debit and online banking, it should just take a few minutes over the phone ,then you will be up and running with a welcome pack through the post, highly recommended by most forum members.
Last edited by MRBLUESKY on Mon Sep 28, 2009 5:50 pm, edited 1 time in total.
Good luck with your application Matt, I'm sure you will be ok with the Cashminder.
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
A word of warning Matt - if you are not on the voters list, it might be as well for you to do in in branch with some identification as they are known for refusing if you're not on there.
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
Branch is better I think, and you can't apply for a cashminder online.
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
