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kirsty69
Starting Member
6 Posts |
 Posted - 06 January 2009 : 11:42:49
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Im finding it really hard to get a bank account. I keep getting refused even for a basic cash card account. I dont want a prepaid card as I dont want to pay to use my money. Any suggestions of where would maybe accept me as a new bank account holder. Lloyds and Barclays are out of the question!
Thankyou |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 06 January 2009 : 11:53:26
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Welcome kirsty
You could try the Coop Cashminder account. Nearly all of us on here have one and they have been great.
You can apply over the phone or in the branch.
Take care
Jo
x
22 Weeks down
30 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring! |
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kirsty69
Starting Member
6 Posts |
Posted - 14 January 2009 : 14:31:47
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Thankyou for your reply. I have been off line for a bit, but Im going to give that a try.
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 14 January 2009 : 14:54:21
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Your more than welcome
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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pix1
Average Member
689 Posts |
Posted - 14 January 2009 : 14:54:30
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| You could try the coop card or the nationwide basic card. |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 14 January 2009 : 14:55:20
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Hi
You can apply either in branch or over the telephone on 0845 602 7057
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
Real People ..... Real Debt Solutions
www.revivauk.com |
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CMJ
New Member
96 Posts |
Posted - 14 January 2009 : 15:29:48
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Hi,
We opened a coop cashminder up and running in 3 days, you can access on line and we have an electron card, ehich is great.
Good luck
Michelle x
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kirsty69
Starting Member
6 Posts |
Posted - 14 January 2009 : 15:36:43
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Thankyou everyone.
I just had a look on website. Im going to give them a call after work and hopefully they will be open. I use my mums spare bank account at the moment which is ok, but becomes awkward if I have to do anything more than draw money out. I cant even set up a d/d without her having to sign for it, which is abit unfair to mum.
Can you still pay by card in shops with a cashminder account or do you have to go to cash machine and get cash first?
x |
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janni-jan
Starting Member
United Kingdom
18 Posts |
Posted - 14 January 2009 : 15:43:39
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Hiya Kirsty
We have a cashminder account, it uses a visa electron card most shops and outlets accept it for payment, we have dd set up on the account and standing orders, you can even use it to pay bills online! pretty good!
Janni-Jan |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 14 January 2009 : 15:54:45
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Kirsty
I have had my account now since beg August last year and have not encountered any problems, thats why i suggested you give them a try, they are very good, the electron card is pretty much accpeted everywhere and you have online access too.
I would def give them a call and when you do mention about the bankruptcy to them to cover your own back.
I opened mine after we went BR but have no problems with them.
Best of luck
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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hanlou
New Member
United Kingdom
56 Posts |
Posted - 14 January 2009 : 20:06:25
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| hi all mega stressed at the moment hubby and i go br on 21st jan and even though i read everyones posts to get all the info i need i still feel worried sick the co op cashminder is the account to open but when do you open it.The day before br i plan to empty our account as hubby gets paid on friday so all the money for rent,utilities etc then needs to be put in a co op account but do i open this the day i go bankrupt and can you use the electron card most places like supermarkets and paying bills over the phone just in case the dd is not set up in time now the day is looming i want to hide away ,i am trying to fill forms online but two adults and four children i am worried that i might ask for too much food allowence or not enough then be stuck and what if i miss something out is it right you can have money each month for a modest holiday we have not been on holiday for years so that would be great but i think i have it wrong any help would be great |
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got there
Junior Member
United Kingdom
461 Posts |
Posted - 14 January 2009 : 20:19:41
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Hi Hanlou
I had my cashminder open since Nov 07 went BR Oct 08, rang the Co-op on a special number the customer service team gave me and they made a note on my account and assured me that it would not be frozen, which it wasnt.
I opened a second cashminder account about 4 weeks after BR for a bill account so keep bills seperate and can put any surplus in there, as my saving account was closed.
Good luck hope things go okay. You will be okay opening an account before BR just tell them you are planning going BR and the date, it will be fine.
Take care x |
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Topic |
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Im finding it really hard to get a bank account.
