| T O P I C R E V I E W |
| sharkattack |
Posted - 30 July 2009 : 21:40:08
HI i bank with think banking.When i go b/r what will the or say about my account as i pay £17 month for this |
| 15 L A T E S T R E P L I E S (Newest First) |
| Niobe |
Posted - 01 August 2009 : 19:53:15
I would recommend the Co-op everytime.
The glimmer gets brighter all the time
Jan
xx |
| sjbyron |
Posted - 01 August 2009 : 19:21:04
Hi
I spoke to HSBC the other day and the gentleman said that the group is becoming more aware of peoples financial status i.e going insolvent / bankrupt and he said that they may now be able to offe accounts to customers on a case by case basis but would have to be done through branch rather than through theircall centres.
RBS Group told me the same and Nationwide accepted me for anaccount, though i did say that I am not going through the process of BR but rang them later and said I am Bankrupt and they were happy for me to have the account as it only had a cashcard on it
Stu J Byron |
| Niobe |
Posted - 01 August 2009 : 17:10:19
I would also avoid HSBC, and First Direct. They do have a habit of closing accounts from people who are BR or in an IVA.
The glimmer gets brighter all the time
Jan
xx |
| Skippy |
Posted - 01 August 2009 : 15:59:16
I would avoid HSBC though - they have a policy of closing accounts of people who are BR or in IVAs, so even if they let me open an account I'd still be worried.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
25 IPA payments made, 11 to go - on the home straight! |
| sjbyron |
Posted - 31 July 2009 : 22:28:42
Hi
Barclays now offer internet banking for all, Nationwide, HSBC and the RBS Group are now starting to accept applications on a case by case basis
Stu J Byron |
| Niobe |
Posted - 31 July 2009 : 21:39:24
You can use accounts such as Thinkbanking, but they come with a monthly charge, as opposed to the Co-op, which doesn't.
The glimmer gets brighter all the time
Jan
xx |
| RosaBudd |
Posted - 31 July 2009 : 21:29:33
I belive the only 2 banks for someone not yet discharged from their bankruptcy is the Co op Bank and Barclay's Bank.
With Barclays you get a Visa debit card but if you are not discharged you cannot have their online banking
I have a decent account with Yorkshire Bank, although this is for folk discharged, this comes with a proper Maestro card and good internet banking.
rosa |
| Niobe |
Posted - 31 July 2009 : 21:25:26
I'm with Nationwide and my banking is updated as it happens. I like to have control of my budget.
I know to the last penny and when my DD's go out. I check my online balance frequently.
I love being able to budget now and all by myself as well!
The glimmer gets brighter all the time
Jan
xx |
| Skippy |
Posted - 31 July 2009 : 21:17:16
I know when my DDs will be taken out, and how much. If too much is taken, or it's taken on the wrong date it's covered by the DD guarantee and not part of the 3 strikes rule.
The Co-op has never taken a week to update my online banking, it's usually 2 or 3 days. Every time I use the card I put it on a spreadsheet so I know exactly how much I've got in my account.
I wouldn't feel as if I was standing on my own two feet if I was using a managed account, and best of all I don't pay anything!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
25 IPA payments made, 11 to go - on the home straight! |
| sjbyron |
Posted - 31 July 2009 : 19:25:53
Fair comment Jan,
except what happens if a card transaction goes through twice and leads to a DDI or SOI Failure incurring charges
Or what happens if a DDI takes more than it should at an Earlier date than you have money available again incurring charges
or what if you arent paid in time to reach your outgoings again you will incur charges
These problems are all dealt with, with thinkbanking and you dont geet any three strikes and your out, or any more charges than there maintenance fee
Stu J Byron |
| Niobe |
Posted - 31 July 2009 : 19:05:06
If you budget correctly in the first place, then you should not go overdrawn at all.
I make sure that there is enough money in my bank account to cover all my DD's etc.
I have no problems.
And I don't pay for the priviledge.
The glimmer gets brighter all the time
Jan
xx |
| sjbyron |
Posted - 31 July 2009 : 17:42:19
Hi Skippy you can go verdrawn with the coop, making it unauthorised, because they take upto a week to update your balance it is really easy to use the "debit" card and then forgot and transfer money elsewhere, they also operate the three strikes and your out.
Some of us ned our hands holding with money from time to time too and Thinkbanking is good for that
Stu J Byron |
| Skippy |
Posted - 31 July 2009 : 12:00:37
Like Debtrider I've never had a problem with my Visa Electron, and to be honest I don't see how managed accounts are helping to manage your accounts better - you can't go overdrawn, but having someone managing your money is not teaching you to manage your own money.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
25 IPA payments made, 11 to go - on the home straight! |
| Jane.l |
Posted - 31 July 2009 : 11:19:20
I have the Barclays basic account, it now comes with a debit card (its great shopping online again) and I have direct debits on it. The only thing it does not have is a cheque book or an overdraft, something I never want ever again  |
| sjbyron |
Posted - 31 July 2009 : 10:24:21
Hi
Everyone has different experiences with Banks, Thinkbanking have beeng good with me, yes i have had some teething problem with them and some problems with them in the past but they are ok. I feel more assured that I have got a debit card that works, a named money manager (Hannah) and I dont have the three strikes and your out over my head, nor will I gbe treated as the lowest of the low as i was bankrupt and can only have a basic account no savings accounts
Stu J Byron |
