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overdrafts
Former Member
Posts: 1,876,323 The Mix Honorary Guru
went to my bank last week and was told that i would have to wait around 6 months for them to assess my eligablity for an overdraft...is this normal?
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If you've never borrowed money you will find it very hard to borrow money at the moment.
if i got myself a job asap (as i'm planning) and brought a wage slip along go you think that they might reconsider?
i just need one for emergency's sake...
The fuckers will happily slap the charges on, mind.
I think that if you're struggling with charges you should open a new basic bank account elsewhere.
so, who has a good current account then? i'm with nat west, so who offers a better current account?
Have you complained to the council about this?
But I'd still recommend that you get a job too, the more proof of ability to repay, the higher the chance of getting a loan
But she said nothing about loans.
Who says it's your bank, and what is the problem you're having?
Have you checked the council have the right account details for you? If its even a digit out on their system it could slow your payments down.
As I was working and regularly crediting my account (you would be 'cause of your benefits or whatever) then I was able to extend the overdraft. You can also increase it if you get a job etc & need it.
I think you said earlier in the thread that you've had problems with Halifax before, but like you said, you're not leaving much if you've had problems with lots of banks. I've never had problems with Halifax and they're online banking is great.