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sleeplessnights
Junior Member
United Kingdom
256 Posts |
 Posted - 10 January 2009 : 19:14:09
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For info, tried to open a Halifax Cardcash Account but was refused due to credit rating.
I thought I had read somewhere that Halifax accepted UBRs? |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 10 January 2009 : 19:40:50
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Hi me too:-(
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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sleeplessnights
Junior Member
United Kingdom
256 Posts |
Posted - 10 January 2009 : 19:56:13
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thanks, thought i was going mad.
Must have changed their criteria with the current climate etc. |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 10 January 2009 : 21:58:50
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Recommend you stick with the COOP Cashminder account.
best facilities and "entry requirements"
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
Real People ..... Real Debt Solutions
www.revivauk.com |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 10 January 2009 : 22:03:51
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Hi Halifax
Told me over the phone and in the branch that THEY DONT do credit checks for the basic account, me thinks they were telling porkies.
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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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 10 January 2009 : 22:28:48
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It seems that more and more the banks are changing their rules about the basic accounts and don't communicate it well to their branches.
It seems a real shame because it seems to me that if a switched on bank realised that people in Br are probably likely to have HUGE brand loyalty they could pick up some greta customers for life.
To make you smile I got turned down for a basic Barclays Bank account recently in the local branch. The lady got quite stroppy when I said I wanted to open 326 accounts for a number of clients!
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
Real People ..... Real Debt Solutions
www.revivauk.com |
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badgered
Starting Member
United Kingdom
32 Posts |
Posted - 10 January 2009 : 22:58:44
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| hello sleepless nights,just anote on getting a new account.went BR friday,came straiht out of court and went into the cooperative bank.told the lady my situation and she said no problem asked me for id which i had and opened me a cashminder account there and then.gave me sort code and account number and it took five minutes if that .just waiting for my electron card through the post.told OR on the phone no problem. |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 10 January 2009 : 23:33:51
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well done
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
Real People ..... Real Debt Solutions
www.revivauk.com |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 10 January 2009 : 23:58:27
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Hi
i spoke to halifax, and the lady on the phone said, on recieving notification of Bankruptcy all accounts including savings accounts and any insurance products are terminated, she said that she thinks this covers LloydsTSB as they are linked.
A bit harsh me thinks!
Stu J Byron |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 11 January 2009 : 09:26:09
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Hi Stu
Now I opened a Lloyds TSB account after br with no problem. I asked 3 or 4 times if it would definitely be ok and was told it would - so far no problems.
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 11 January 2009 : 11:57:53
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Thanks,
I think different banks give different details, I have an appointment with the bank manager on Tuesday for Lloydstsb so am hoping that they will be able to offer me an account
Stu J Byron |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 11 January 2009 : 13:01:23
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Good luck with LLoyds Stu, heres hoping that they will say YES.
We can never go back to them as they were our biggest creditor 45k to be exact with loans, credit cards and a very large overdraft.
Oh well s**t happens and i am happy with my coop account.
Let us know the outcome :-)
LOL
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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Cakietin
Junior Member
United Kingdom
278 Posts |
Posted - 11 January 2009 : 15:25:09
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Hi everyone
I received a letter from the Halifax last week. They have seen our bankruptcy advertised in the London Gazette and have frozen our accounts. Tbe letter says "It is Halifax policy not to allow a person who is bankrupt to operate an account with us." Interesting.
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Halifax Cardcash Account
