bankruptcyhelp.org.uk Forum - I am a student and just been declined a bank account without a reason.

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I am a student and just been declined a bank account without a reason.

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Christine.ld
Starting Member

1 Posts

Posted - 03 April 2012 : 11:48:39

I am a student and just been declined a bank account without a reason.
Can I find out what my credit rating is ? I am not looking for a debt solution.

Niobe
Administrator

United Kingdom
4590 Posts

Posted - 03 April 2012 : 11:57:19

Hi and welcome.

You can check your credit rating with Experian, Call Credit and Equifax. It will cost you Ł2 a time.

Unfortunately banks can decline you without a reason. I've had it happen to me before now.

Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe

Jan
xxx

Kelly O
forum expert

United Kingdom
27 Posts

Posted - 03 April 2012 : 12:01:41

It may be to do with the electoral role, are you registered at the address you are living?

Kelly Osadare CertDR

If you would like any help or advice on any aspect of your debts do not hesitate to contact me.

Niobe
Administrator

United Kingdom
4590 Posts

Posted - 03 April 2012 : 12:25:19

Good point Kelly.

Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe

Jan
xxx

Melanie.n
forum expert

United Kingdom
1282 Posts

Posted - 03 April 2012 : 13:10:21

A good account to apply for is the Co-Op Cash Minder account - they are very good at opening basic accounts for people with debt problems, but you do not need to have debt problems to have an account, just a very good basic bank, and come highly recommended by many forum users. Melanie

Melanie Nicholas CertDR
30+years insolvency experience - 23 of which in the Insolvency Service and the past 8 years with a number of IP firms. Please get in touch if i can help you in anyway or answer any queries or concerns you may have -I can be contacted at www.lifestylemoney.net or via the experts tab

Niobe
Administrator

United Kingdom
4590 Posts

Posted - 03 April 2012 : 13:12:49

If it is an Electoral Roll problem though, the Co-op are also likely to turn the application down.

Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe

Jan
xxx

Skippy
forum expert

United Kingdom
3290 Posts

Posted - 03 April 2012 : 13:15:03

I think the Co-op's main criteria is that you're on the electoral roll so if that is the case the OP needs to make sure they are on it.

View my blog at http://skippy13.blogs.iva.co.uk/

Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.

Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side.

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