Bad Credit?
The Builder asked:
I have Realy bad credit and need a bank account for my direct debits is there any bank that will let me open just a basic account i have tried two banks and they both said NO because of my BAD credit and ccj’s any advise welcome.
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I have Realy bad credit and need a bank account for my direct debits is there any bank that will let me open just a basic account i have tried two banks and they both said NO because of my BAD credit and ccj’s any advise welcome.
October 25th, 2009 at 9:32 am
Try Nationwide bluebudgie
October 25th, 2009 at 4:29 pm
try halifax t
October 28th, 2009 at 8:39 pm
Try abbey national. If you can, register on the electoral role, and then take in proof of your address, and something like a driving license. I did, and i was worried about bad credit too. Do not tell them about the other accounts. natasha *
October 30th, 2009 at 1:37 am
Nat West take on people with bad credit. jenny
October 30th, 2009 at 2:39 pm
Any Bank should and will give you a basic bank account, it will probably be a solo or electron card but this will do for your needs, its the law for them to supply you with some kind of account. YEAH
November 1st, 2009 at 6:38 pm
Alliance & Leicester gave me an account despite bad credit. You can ask for a cash card only, meaning you can’t use it in shops, only to get cash from a machine… and only if there’s money in it!
I would visit the bank in person, and explain your situation to them. Explain that you don’t want any credit, you just need somewhere to pay your wages into, and to pay bills out of.
If you try over the phone, or internet, they just use a routine credit check, and don’t take personal circumstance into consideration. If you can, book an appointment to see someone in person, they can then override the system and will be more helpful.
Good luck, I know what it’s like when no-one will touch you… Depressing, but there are people out there that will help you.
rollacoasta
November 4th, 2009 at 4:49 am
My B/F Had bad credit. As an ex bankrupt, the bank gave him an account call Gregory Pennington Account. Its very basic and I believe it was through Natwest, but try all the major banks, ask about this account and someone should point you in the right location.
Good Luck Nikki001
November 5th, 2009 at 3:51 pm
Poor credit history ? Read this Tips leandar
November 5th, 2009 at 7:30 pm
I know my brother’s credit is shocking and he got an account with NatWest. Chippie
November 7th, 2009 at 1:29 pm
Nationwide and co-op will open accounts for you even if you are bankrupt.
go into the branch and speak to them. farie
November 8th, 2009 at 5:24 pm
Go to Natwest, and ask for a basic Step current account.
This gives you a bank account, and a solo card, but no overdraft or chequebook.
Because you can’t go into debt with the account, they let pretty much anyone have one. I know people who have got them with defaults and CCJ’s on their credit file.
Make sure you ask for a current Step account, and not the savings account, as in the savings account you need to keep a minimum balance of £50 to keep the account open.
The account is very simple to open, you just need to go to the local branch and fill in a form, with a form of id such as a passport, and a couple of utility bills (gas, water, electric etc) as proof of address. claimbankchargesback
November 9th, 2009 at 6:20 am
nationwide, flex-account, without cheque book.
comes with just a cash point card, but you can do standing orders, direct debits and online banking. what more do you need from a bank account. alatoruk
November 9th, 2009 at 2:02 pm
work on your credit!!!!!!!!!!!!!!!!!!!!!!!! Vampir V
November 11th, 2009 at 8:27 pm
WOW
Im sorry but I am just curious how bad someones credit has to be to not be able to open a bank account? I mean they are not even loaning you any money.. I dont understand. i opened a debt account when I was 18 and had not one shread of credit history. iceman
November 14th, 2009 at 12:57 am
Maybe ING Direct or HSBC Direct will help you.
Good luck ! carlos
November 15th, 2009 at 12:28 pm
Halifax or Abbey National do basic bank accounts, they accepted me and I’ve had spectacular bad credit in the past! I think the Post Office account is also a basic account, which allows Direct debits, but look into this one carefully, because I’ve heard that the PO are doing away with bank accounts (but then I could be wrong). GIZMOSMUM
November 17th, 2009 at 10:58 pm
Hi I have bad credit rating and CCJ but had no problem opening a Cashminder account with the Co-operative Bank.
They are really helpful too if there is any type of problem. Also you can sign up for internet banking with this account too. You will receive an Electron card on this account. All the best in getting your account. Karen D