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Posted: Tue Jan 17, 2012 9:47 pm
by 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
Posted: Tue Jan 17, 2012 9:50 pm
by 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.
Posted: Tue Jan 17, 2012 9:51 pm
by kallis3
Hi Ninja - hope you are ok?
Have you tried the Co-op for a bank account?
Posted: Tue Jan 17, 2012 10:00 pm
by kev59
I have a saving a/c with nat west but it was took out before going into the iva.
Posted: Tue Jan 17, 2012 10:04 pm
by 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?
Posted: Tue Jan 17, 2012 10:06 pm
by ninja.tiger26
hi kallis im well thanks and you?
Posted: Tue Jan 17, 2012 10:09 pm
by kallis3
I'm very well thank you. It's nice to see you again.
Not sure about smile.
How about Nationwide or Barclays?
Posted: Tue Jan 17, 2012 10:13 pm
by 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. :/
Posted: Tue Jan 17, 2012 10:26 pm
by kallis3
There's Yorkshire Bank or Building Society as well.
Posted: Tue Jan 17, 2012 10:29 pm
by ninja.tiger26
brilliant, will give them a try - thanks
Posted: Tue Jan 17, 2012 10:36 pm
by kallis3
Let us know how you get on.
Posted: Tue Jan 17, 2012 11:42 pm
by 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.
Posted: Wed Jan 18, 2012 6:54 am
by footiemad
I opened a savings account with Nat West after I started my IVA with no problem x
Posted: Wed Jan 18, 2012 8:48 pm
by ninja.tiger26
http://www.moneyadviceservice.org.uk/_a ... counts.pdf has given me a few places incase anyone else finds this later
Posted: Wed Jan 18, 2012 9:00 pm
by kallis3
Good luck ninja - hope you get an account sorted.