There are a lot of people who only post once even when they have their question answered. If you click on the member link and check down to the first few pages (it will be at the very beginning of the pages) you can see that there are a lot of people who register and don't post at all and an awful lot who make one or two posts.
Dave, nobody should be worried about upsetting me - I'm just the same as everyone else and have my own opinions about things. I enjoy a healthy debate.
People can post what they like and if they have ideas for you then fine - I have no problems with it and should not be considered as the decision to change anything has nothing to do with me at all.
There's a lot of people who will just view a page and not post as is indicated by the number of views next to the thread.
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
I know my colleagues over in thinkbanking will be sorry to see you go.
Of course I understand your reasons for thinking of moving your account. Interestingly there’s been quite a lot of media coverage of late about banks increasing “hidden” charges and overdraft charges (for example this piece http://bit.ly/wPnSAu in the Daily Mail on 18/1). Even basic bank accounts will charge you for unpaid direct debits and the like and some will close your account if you bounce more than three.
Yes, thinkbanking has a monthly charge of £14.50 for a single account, but at least they are transparent about it!
Ian
(Full disclosure - Freeman Jones and thinkbanking are part of the Think Money Group)
wow my little topics become a debate maybe as a idea instead of the FAQs on the left you can make a sticky topic - will sort the readers out as always be infront to view. plus has a bit of insider help - i think it could be something that can be thought out collectively - as this sites main design is to help.
Ian - sorry if all sounds like a dig but i will let you know my reasons why im leaving think banking
i think think bankings not as transparent as you would like to believe i think there gold member ship card is apallingly wrong tbh ofering people with debt problems or been in debt £200 and i quote off the email at the bottom of it all "Representative APR 2169.3% variable" i noticed on the £200 there is no * or a 1 or anything to say read below. not too transparent there im afraid.
but also your sister/parent company Freeman Jones has one of the worst services i have ever seen, apart from making my Full and Final offer a pain, it was done in november. i have no further contact from them. i call a few days ago to see whats going on with my certificate - i found out i needed this from google!!! to be told oh theres been a problem one of my Banks ahve said the amount you have is wrong. to then be told it may cause a issue with my F&F then slammed on hold while he looked it up. eventually being told Freeman jones got it wrong and i now have to wait a further 6-8 weeks for you to sort things out. its reasons like this i want to be as far away as possible!
sorry again for the rant, just something on my chest
Feel free to Rant Ninja if you have experienced bad service, lack of information and a poor service all round then you are entitled to be disgruntled. The onus is then on the company if they wish to retain your custom to explain things better to you, mend bridges or explain themselves on here. They are not forced to but it certainly helps their PR to do so.
haha thanks DAve. i guess from being given a balls up service from them and all they can do is offer me £200 at a 2000%+ APR is wrong.
i also find that offering that money to debt-suffering people wrong too. as in debt you seem to ignore the APR and think £200 i need that money. is a devils offer.
maybe there is a explenation for this but i think there will have to be a very good one for this offer!
plus thinking your IVA-free then being told in a casual call that you make to them this maybe wrong is a bit horrible, lol
thanks, im just going to keep hassling them till they sort it out. a normal bank account least gets me more normal again - plus i missed using link cash points - was a pain at lunch times driving to tesco so i can get lunch at works cantine (think bank doesnt work in co-op or cash box type machines another reason not to pay so much)
It's a shame you didn't open a bank account prior to entering the IVA you should have been fine then. I do agree its silly if your IVA is satisfied and marked as such you shouldn't be declined a bank account. Can I ask if you have seeked credit reports from all three credit agencies and seen if the IVA which although stays on the file is marked as satisfied? If it's still shown as active that could be a reason for not allowing you a bank account.
One thing that worries me as well is if you apply for an account now and they reject you due to having an IVA. Will they keep that on their system forever more that you had one therefore potentially judging you even after it comes off your file.
I sincerely hope not as that is a tad unfair. On a really positive note there are some people here post IVA who have been upgraded by their own banks back to normal accounts and also the gold and platinum accounts etc with no bother. I think it's all going to be a individial banks decision on their own current criteria.
Don't forget as well to check all three agencies to see if there are any defaults registered after the date of IVA acceptance - if there are then you need to write to those creditors and tell them to remove the defaults.
I think I'd be tempted to go into a branch and speak to a real person about opening an account rather than trying to do it online or over the phone.
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
well got a surprise phone call today from freeman jones, seems this was read and now i have my certificate they have also apologised for the peoblems caused
however i have 1 question.....how did they know who i was?!?! i know we have spoken before on here but sureley they havent made a log of my account etc.. confused. i know the admins removed any identification of myself ages back.
They probably tied up posts you have made with your account, you would only need a couple of unique identifiers for them to know it was you. Plus if you had spoke to them before it might be on your notes your nickname on here. Either way glad they sorted it well done to Freeman Jones for taking feedback on board and resolving the issue. Nice one
Agree - it sometimes doesn't take much to identify someone on here because of the circumstances of the posts.
Glad you're sorted though now
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
yeah im glad they sorted it too, but as i said to the guy this is 3/4th time ive had to get a issue resolved in this way. but they have apologised and have given me what i need. now i can contact creditors and start operation tidy credit file up lol
only thing is i never did get a comment about what was said about think banking. im very confused and troubled by the £200 cash back with a massive APR of 2000+% find it worrying that people in debt are offered that.
though im told that Ian will be back to comment at some point so hopefully he can shed light.
power of the internet - look what can be accomplised in a small little topic on a forum....although this topic is gone off topic a little lol.
thanks all again for the help. now i can try and help too as we all know in a IVA it can get some very low and hard times.
they have also apologised for the peoblems caused