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FreshStart
Starting Member
United Kingdom
23 Posts |
 Posted - 16 June 2009 : 11:12:37
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Hello everyone...
My husband and myself went to a coop branch to open a cashminder account, we told the Customer Advisor of our intention to go BR soon and said it wont be a problem. She run through the application and we were then told that the application is being referred.
Has anyone experience this? Is this a normal procedure?
Thanks again |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 16 June 2009 : 11:55:06
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Hi,
This happened to me and I received a letter about 5 days later and asked to provide a copy of my passport, driving licence, etc. as proof of identity. Once I had done this I received confirmation of the account being open within about a week.
I am not too sure why some accounts are referred but it does seem to happen now and again. So long as the Co-op weren't one of your creditors you should be ok. |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 16 June 2009 : 17:25:42
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Hi
Even if Coop are a creditor they will give you an account, they gave me a cashminder account when I started an IVA They gave me an account and froZe it, but when I told them I was going BR they let me use the account, as they said Im trying to make a fresh start.
Best of luck
Stu J Byron |
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FreshStart
Starting Member
United Kingdom
23 Posts |
Posted - 17 June 2009 : 13:19:44
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Thanks for the reassuring replies...
Just gonna have to wait and see now I guess... We are on the electoral role so shouldnt be an issue, am just a worry freak i guess.. everything is hanging by a thread so just restless but thanks to this forum I find comfort knowing that I am not alone.
xoxox |
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mick1972a
Junior Member
235 Posts |
Posted - 17 June 2009 : 21:23:36
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If the COOP account was not an option you could always try Thinkbanking, they accept everyone. Its a online account and you get a Maestro debit card but are charged £12 per month for running the account
Mick |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 18 June 2009 : 14:19:16
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There is also the Clearcash card which charges £9.99 a month, or a new one coming out next month I believe from Secure Trust Banking, and I have been told that is a good one.
The glimmer gets brighter all the time
Jan
xx |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 19 June 2009 : 15:15:22
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Im back with Thnkbanking and would recommend them over Cooperative bank anyday. I would also recommend the clearcash card as either a money management account or an account for expenses or spends like im going to use it for when I finally get a job
Stu J Byron |
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worriedmummyandwife
Starting Member
United Kingdom
2 Posts |
Posted - 20 June 2009 : 20:48:14
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| I think the only reason they refer it is if you have not been at your address long or on the electoral register - but I could be wrong. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 20 June 2009 : 21:31:05
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You are right worriedmummyandwife. Other than address, I don't think they make a check.
Stu - there is no way I will pay £12.50 for one bank and £9.99 a month for another card when I can get both for free.
I've better thing to do with my money.
The glimmer gets brighter all the time
Jan
xx |
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emdaz
New Member
71 Posts |
Posted - 20 June 2009 : 22:10:29
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quote:
Originally posted by FreshStart
Hello everyone...
My husband and myself went to a coop branch to open a cashminder account, we told the Customer Advisor of our intention to go BR soon and said it wont be a problem. She run through the application and we were then told that the application is being referred.
We did exactly the same, got referred and 4/5 days later rang to check on progress and we were cleared, account opened and nothing was needed, no idea why we were refereed??
Has anyone experience this? Is this a normal procedure?
Thanks again
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 21 June 2009 : 08:54:33
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Did they get back to you FreshStart?
The glimmer gets brighter all the time
Jan
xx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 21 June 2009 : 13:24:43
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That's an awful lot of money to spend on banking each month! I would stick with Think or Clearcash, not both - if you want a prepaid card there are cheaper ones on the market.
I think the Co-op often refer accounts, but most people seem to be accepted without any problems.
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/
23 IPA payments made, 13 to go - on the home straight! |
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FreshStart
Starting Member
United Kingdom
23 Posts |
Posted - 21 June 2009 : 21:24:04
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Hello... 8 days and several phone calls still nothing... They said we are still being referred although the people I spoke with was assuring me that they dont see any probs why we wont get accepted.
I think id have the banks who charges monthly as my last option as I dont really wanna pay that much... but then again, youve got to do what youve got to do.
Will let u know how were gettin on... Thanks again! |
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Topic |
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Opening a Cashminder Account
