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Just wanted to say Hi - I've been lurking for a while and have decided to take the plunge. Thanks to all for excellent advice!


Have started with MBNA and Barclaycard, but really want to go for our bank, First Direct, with who we have 3 accounts and have probably been charged thousands over the years - OH self employed for a while, 2 x maternity leave, re-training for a year, etc.


Can anyone recommend a good bank account to change to?


If we change, should we leave the £1.5K combined OD's with First Direct, or clear them? (expecting endowment cash-in in next few weeks)



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I would personally recomend Halifax. I have had very bad credit problems in the past and really didn't think I'd be able to open a new account anywhere else. They were able to offer a differnent range of accounts depending on your personal circumstances, I went for the high interest account which was good for me due to ammount which would be paid in each month. There was also a good account with good rates for overdrafts. If you're expecting endowment cash in, then probably better to leave OD where it is and take up a higher interest account, it will probably take about a month to transfer old to new account anyhow.


Let me wish you good luck with your claims, you'll find all the answers here on this site.


Useful links to help with your claim



http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/


Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/


Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html


Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html


Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

  • Haha 1



Don't be like the banks - give a little back



:D NAT WEST - WON - £4282.36:D


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