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Author whos got more than one student account???
MoNkEy MaGiC
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Registered: 12th Apr 03
Location: West - London Drives: Corsa GSi
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15th Jun 04 at 12:30   View User's Profile U2U Member Reply With Quote

im starting my 3rd year at uni this year and i only have one student overdraft account, which is maxed!!!

ive heard people have 2/3 different student accounts???

is this possible? or even allowed? as i deperatly need some money?

im with barclays at the moment and they wont increase it no more, so im gonna try HSBC today
Kris TD
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Registered: 25th Mar 02
Location: Ware, Hertfordshire
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15th Jun 04 at 12:37   View User's Profile U2U Member Reply With Quote

get a barclay card, interest free for 14 months.
1600power
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Registered: 22nd Apr 04
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15th Jun 04 at 12:40   View User's Profile U2U Member Reply With Quote

yer it can be done but it aint easy!

The bank will ask that ur student loan goes into the account direct from the SLC.

If u dont agree to have this done then they will think that u have another account and therefore not open another one for u....

A way around this would be to say ur getting the money paid by cheque and that u will pay it in as soon as u have it, then when u get the loan pay it in2 the new account and immedietly take it out and put it into one of ur old ones!

Fair bit of leg work like but it shud get u another account
MoNkEy MaGiC
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Registered: 12th Apr 03
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15th Jun 04 at 12:47   View User's Profile U2U Member Reply With Quote

oh i see, so im not meant to have more than one student account, but it is possible!

so, they wont actually ask if i have another student account then? but say that my student loan will automatically have to come into this account? which is ok anyway as my student loan doesnt even go into my other student account anyway
liamC
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Registered: 28th Feb 04
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15th Jun 04 at 13:03   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by 1600power
yer it can be done but it aint easy!

The bank will ask that ur student loan goes into the account direct from the SLC.

If u dont agree to have this done then they will think that u have another account and therefore not open another one for u....

A way around this would be to say ur getting the money paid by cheque and that u will pay it in as soon as u have it, then when u get the loan pay it in2 the new account and immedietly take it out and put it into one of ur old ones!

Fair bit of leg work like but it shud get u another account


Natwest werent like that for me.

As long as I provided proof that I was actually at uni they didnt say that a certain amount or that all my loan had to go in for them.

Try Natwest in that case.
1600power
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Registered: 22nd Apr 04
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15th Jun 04 at 13:08   View User's Profile U2U Member Reply With Quote

hmmm in that case im not sure, from wot peeps have told me they can sometimes be abit arsey about it cuz they dont want u banking with any1else.....

but obviously just give it a try like and see where it gets ya!
MoNkEy MaGiC
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Registered: 12th Apr 03
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15th Jun 04 at 13:44   View User's Profile U2U Member Reply With Quote

the bank will know or can find out if i have another student account anyway init? so its not worth me lying to them

yeah i will see how it goes, cheers for all advice guys
liamC
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Registered: 28th Feb 04
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15th Jun 04 at 13:50   View User's Profile U2U Member Reply With Quote

How are they meant to find out like?

No banks know whether you have other bank accounts open with other banks.
MoNkEy MaGiC
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Registered: 12th Apr 03
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15th Jun 04 at 14:22   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by liam_nufc
How are they meant to find out like?

No banks know whether you have other bank accounts open with other banks.


hmmm im not sure mate
Ojc
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15th Jun 04 at 14:41   View User's Profile U2U Member Reply With Quote

Why not come take some money out of my account? You take enough of my tax as it is, help yourself you dosser.
Neshol
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Registered: 10th Jul 02
Location: Midlands
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15th Jun 04 at 14:49   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by liam_nufc
How are they meant to find out like?

No banks know whether you have other bank accounts open with other banks.


Bet they do. They know loads of stuff bout your credit ratings etc. Hell, they can tell if you even applied for a loan somewhere at some point.
Ojc
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Registered: 14th Nov 00
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15th Jun 04 at 15:42   View User's Profile U2U Member Reply With Quote

Trust me they know how many bank accounts you have got, they could tell you how much on average you spend on sandwhiches everyday if you bought them on a debit/credit card.
Redcorsa69
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Registered: 21st Sep 02
Location: Rotherham
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15th Jun 04 at 15:57   View User's Profile U2U Member Reply With Quote

I have 2, one with Lloyds and the other with Natwest, loan goes into Natwest account. They have been like that for 3 years and no problems, but they do random tests on people such as my mate Danny, who got caught and they gave him 2 weeks to pay off his overdraft unles he would have been in caught. Most of the time your ok, I just opened one and didnt touch it for a month, that way if they caught me i didn't owe anything.
M2RTY
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Registered: 25th May 01
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15th Jun 04 at 17:30   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Ojc
Why not come take some money out of my account? You take enough of my tax as it is, help yourself you dosser.


we pay back our loans with MORE money in interest

we give MORE money back - whats so hard to understand

statements like that are bull shit
GT4Brody
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Registered: 26th Sep 01
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15th Jun 04 at 17:36   View User's Profile U2U Member Reply With Quote

Handbags
Ian
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Registered: 28th Aug 99
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15th Jun 04 at 17:36   View Garage View User's Profile U2U Member Reply With Quote

Your student account is the one where your grants/loans end up. Anything else shouldn't be classed a student account and if bank weren't desperate for business they wouldn't let you do it. Having said that, most places will let you get in to a few thousand of overdraft in conjunction with student loans and consolidate it all in to a nice graduate loan which will earn them a few grand in interest, so its worth them giving you a bit of free cash at the moment.

I'm 26 and still paying mine off, its only 75 quid per month which doesn't break the bank but anything mortgage wise takes that in to consideration, don't mess yourself up later in life for the sake of a few quid now.

[Edited on 15-06-2004 by Ian]


Corsa B lap belts required
Redcorsa69
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Registered: 21st Sep 02
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15th Jun 04 at 17:36   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by M2RV H
quote:
Originally posted by Ojc
Why not come take some money out of my account? You take enough of my tax as it is, help yourself you dosser.


we pay back our loans with MORE money in interest

we give MORE money back - whats so hard to understand

statements like that are bull shit


usually from people that have absolutely no idea about uni an how much it costs!

 
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