Wife tried to get CO-OP Cashminder account but was refused because of bad credit history.

Must admit i have also tried this account before as well and i was refused because of my bad credit history.

madson

Ive opened new accounts at NatWest that gives you a solo debit card and halifax which gives you a visa electron debit card .

 

brummie

Hi there, i think he and his late wife had a debt with halifax but if you think he might get an account with natwest with bad credit then i shall get him to try there.

madson xx

Hi all, prob not in the right place but here goes anyway:) My best mate is currently using my bank account for his wages to be paid in to because his credit history is completley shocking and he doesn't think it'll be possible for him to get a bank account with anyone,he has already tried a couple of banks and they have said no. trouble is that i'm emigrating to australia and should be there in about 9months time so am not too sure what he'll do if i close my account here? i guess i could just let him carry on using the account as its only a basic account anyway. good news for me is when we go to oz our credit history starts a fresh so i won't have to worry about getting another account etc.. which will make a refreshing change!!

does anyone know of any banks that would be willing to give him an account so that he can start building a good credit history??

any help will be great!

cheers madson xx

Congrats madson, but it's not over yet. Keep everything, including the returned postal order. The CCA timescales still apply and you have proof that they recieved your request. It's connaught duty to pass this request to 1st credit If/when 1st credit contact you, come back for more advice and we'll help you kick their a**es

Thank You so much! i honestly don't know what i would of done if i hadn't found this site!!! Everyone knows so much!!!!!

cheers madson xx

hi

i have dealings with connaugh because i was ill at the time and still am i agreed to pay them £5 per month and asked for a receipt upon receipt of the postal order they sent me warning letter that i was in arrears of £5 but no receipt iwrote back telling them no receipt nomore money now they are threatening court action i am in poor health with very high blood pressure bording on stroke and have been in hospital twice in the same amount of months cant risk it going up any further or ill be in a box am i doing the right thing?

Hi there,

maybe you should send them the same letter that i did and see what happens after that?

sam xx

Was it yesterday they made the call?

Afterall it was April fools day

lol no it wasn't yesterday

sam x

Actually while i think about it,since i sent them the letter i haven't had the annoying p***k who usually calls me every week phone at all!! i feel like i kicked his arse thanks to this site!!!!

sam xx

Hi Madson,

It sounds like Connaught were trying their luck under the umbrella of 1st credit, so if Connaught have closed their file that means that they will probaly not chase you any further and have passed the buck back to 1st.

 

Next move will probably be from 1st credit but you must wait and see. You have time on your side now as the CCA request clock is ticking.

 

Have you a certificate of posting ? because you need to wait for 2 posting days and 12 working days for connaught to be in default of your request.

 

Beau

Hi Beau, thanks for getting back to me so quickly! i have got my reciept for the postal order and i have got the recorded delivery slip from the letter i sent in,is that enough? how long do they have with the cca request?

sam xx

Good for you, you have won a small battle in the war, but CCA request still stands. The ball is in their court now, you should wait and see what their next move is.

 

Beau

Hi there, what should i do with the postal order that they sent me back? just leave it? i shall wait and see what else they send me now then. not sure what it means when they say they have closed the file and have sent them to 1st credit?

cheers madson xx

Hi madson, yes you're in the right place

 

You need to CCA connaught with this letter here:

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

 

 

YOUR ADDRESS

 

 

 

 

 

DATE

 

 

 

 

 

 

THEIR ADDRESS

 

Dear Sir/Madam

 

Re:− Account/Reference Number XXXXXXX

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This payment is NOT to be paid used for any other purpose.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

Amend as neccessary, enclose the £1 payment using a postal order keeping a record of the number to check if they cash it, DO NOT SIGN IT print your name, send all recorded delivery ASAP.

 

This will establish their right to collect the alleged debt. Also add a line requesting a staement of account which is free of charge.

 

You might be best sending this as well:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html#post290644

 

Hi, i sent the letter off to them and i have just recieved a letter back from them saying; we write to your correspondence with regards to the above stated outstanding debt. the contents of your letter have been noted. however we write to inform you that our files have been closed and returned to 1st credit limited of the omnibus building(different address is then written) we would request thet all future correspondence in relation to this matter is forwarded to their offices. they have also sent me back the postal order that i sent them.

sorry for the long winded post but not sure what to do now? do i have to write the letter again and send it off to the new address?

any help will be much appreciated!!

thanks madson xx

thanks ever so much i will do that today and get it sent off.

madson x

hey there, this is my first time on here so not sure if i'm posting in the right place?anyway if anyone can help i would greatly apprciate any advice? I keep getting phone calls from canought collections regarding an old credit card debt that i had with halifax they seem to bully me with every call the debt is only for 1,300 and to me that doesn't seem like a huge amount to owe and to warrent getting nasty calls? i did set up a payment arrangement with them for £30 a month but haven't paid anything yet because i'm not working i'm a stay at home mum and have other things to pay off first. i have just gotten another call from them and they told me that they could start bankcrupcy proceedings and that it could result in me losing my house,really??? for a debt of so little a court would decide yes take her house so that they can get their 1,300????? anyway got fed up of the guy bullying me on the phone once again so told him to just do whatever they felt was nessasary because i just couldn't pay right now. they make me not want to pay them because they **** me off with the way that they speak to me. yes i have the debt yes i know i have to pay the money back but no surely i don't deserve to be spoken to as though i'm owing them thousands and thousands of pounds? Anyway any advice you may have for me would be great! sorry if this post seems to just rabbit on i'm just ****ed off with them calling me all the time.

thanks again madson xx

hey there, this is my first time on here so not sure if i'm posting in the right place?anyway if anyone can help i would greatly apprciate any advice? I keep getting phone calls from canought collections regarding an old credit card debt that i had with halifax they seem to bully me with every call the debt is only for 1,300 and to me that doesn't seem like a huge amount to owe and to warrent getting nasty calls? i did set up a payment arrangement with them for £30 a month but haven't paid anything yet because i'm not working i'm a stay at home mum and have other things to pay off first. i have just gotten another call from them and they told me that they could start bankcrupcy proceedings and that it could result in me losing my house,really??? for a debt of so little a court would decide yes take her house so that they can get their 1,300????? anyway got fed up of the guy bullying me on the phone once again so told him to just do whatever they felt was nessasary because i just couldn't pay right now. they make me not want to pay them because they **** me off with the way that they speak to me. yes i have the debt yes i know i have to pay the money back but no surely i don't deserve to be spoken to as though i'm owing them thousands and thousands of pounds? Anyway any advice you may have for me would be great! sorry if this post seems to just rabbit on i'm just ****ed off with them calling me all the time.

thanks again madson xx