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Old 20-10-2009, 12:18   #21 (permalink)

 
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I found moving to Smile pretty painless but it took a couple of months for my direct debits to migrate.
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Old 20-10-2009, 12:21   #22 (permalink)

 
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Lloyds TSB don't currently charge me for having an authorised overdaft aside from interest (1.45% a month).
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Old 20-10-2009, 12:24   #23 (permalink)

 
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What bank is that?

[EDIT= Directed at Original Spies]
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Old 20-10-2009, 12:34   #24 (permalink)

 
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Nationwide.
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Old 20-10-2009, 12:45   #25 (permalink)

 
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Nationwide.
So, you have a current account with them, but they won't give you a debit card just an ATM card, is that right?

*and actually that's considered one of the safest building societies in the UK so maybe being tight is paying off
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Old 20-10-2009, 13:06   #26 (permalink)

 
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Lloyds TSB don't currently charge me for having an authorised overdaft aside from interest (1.45% a month).
I've got much the same deal with Clydesdale.
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Old 20-10-2009, 13:28   #27 (permalink)

 
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I've got much the same deal with Clydesdale.
Might have to change back to Clydesdale then. Pain in the arse though, as otherwise I think HBOS is pretty damn good. Their online banking works well and it's easy to pay my credit cards and stuff (also with them) through it.

They say moving is a doddle but last time I moved loads of direct debits etc got fucked up, was a hassle. Might shift to the account where they give me a fiver and try to stay out of overdraft.
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Old 20-10-2009, 13:30   #28 (permalink)

 
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So, you have a current account with them, but they won't give you a debit card just an ATM card, is that right?

*and actually that's considered one of the safest building societies in the UK so maybe being tight is paying off
Yes. Just a bank card. They say my credit rating isn't good enough (it's not bad. it's just non-existant) to warrant one. Which is baffling, as they're not giving me credit. They say I need to have more DD's coming off my account.

My Mum has had her Sky bill DD'd from her account for about 8 years, and they won't give her one either.


Most strange.
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Old 20-10-2009, 13:42   #29 (permalink)

 
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Yes. Just a bank card. They say my credit rating isn't good enough (it's not bad. it's just non-existant) to warrant one. Which is baffling, as they're not giving me credit. They say I need to have more DD's coming off my account.

My Mum has had her Sky bill DD'd from her account for about 8 years, and they won't give her one either.


Most strange.
Trying to build credit from scratch is very difficult. You need to get some activity going on your credit report, maybe a small loan or low credit limit card, maybe even a secured credit card where you put a deposit down equal to your credit limit. I was out of the country for 5 years so it took me a while to get credit when I got back.

Though, TBH, it sounds like Nationwide have a stick up their ass. Your efforts might be better served by shopping around.
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Old 20-10-2009, 13:43   #30 (permalink)

 
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I'm in no rush really. I just curse queing at cash machines on cold days, when I could be paying with plastic.
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