I have decided to move back to the UK on a Tier 1 (Highly skilled) visa next year.
In 2002 and 2003 I was there on a working holiday visa and by the time I left I had a bank account, credit card, national insurance and mobile phone contract all sorted out.
Now I remember what a mission it was to get the mobile phone contract and the credit card and my questions are basically:
1. I left my Natwest account with probably about 6p in and it must have gone dormant by now, if not closed. Would they let me re-open the account or do I have to go through the application process again? (They have no contact details on their website other than phone numbers, so it's a bit difficult to get hold of the right information).
2. Would it be easier to re-open my old mobile account with T-mobile or will it be as difficult as before to get a contract? I still have all my old bills, my account was always up to date and I closed the account when I left.
For everything I still have much of the documentation and I before I left I sorted out everything to ensure that I wouldn't run up bad debt or leave anything unpaid (e.g. all direct debits were cancelled and debts were paid up).
I am assuming that my National Insurance number is mine for life and I can use it again when I go back. I am not sure where my NI card is, but I still have my number.
As it's 7 years later, I realise that I will have no credit history left in the UK, so I want to find ways of making it easier than the first time to build up a positive credit history.
Any advice would be appreciated!
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