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Posted: Thu Feb 04, 2010 1:06 pm
by ajtt
Can anyone recommend any basic bank account which doesn't rely on credit scoring? My current bank has turned me down for an additional account as even on their basic accounts they now credit score.
Posted: Thu Feb 04, 2010 1:08 pm
by rayb
Hi,
Try the Co-op as they have a good reputation for people in IVA's and I would also recommend the Natwest - I am with them. You may still be credit checked but you would only get a basic account anyway
Posted: Thu Feb 04, 2010 1:13 pm
by Julie
I agree with Ray, try the co-op for a basic account. You may have to visit a branch/telephone as I believe online applications can get refused.
Posted: Thu Feb 04, 2010 1:59 pm
by unhappygirl
Hi
I would definitely recommend the Coop. We set it all up over the telephone and they have been absolutly great. We opened a cashminder account with a debit card and no overdraft facilities which is exactly what we wanted. You can use the online banking facility so you know exactly where you are with your money!
Posted: Thu Feb 04, 2010 6:20 pm
by kallis3
Yorkshire Bank are supposed to be good as well, as are Barclays.
Make sure that whichever one you choose is not one of your creditors.
Posted: Thu Feb 04, 2010 6:58 pm
by kentmikey
Hi CO-OP will give you an account, I have recently taken one out with them without a problem.
Mikey
Posted: Thu Feb 04, 2010 7:19 pm
by kallis3
Some people do have a problem if they are not on the electoral register, but other than that, most people seem to get on ok.
Posted: Thu Feb 04, 2010 7:26 pm
by Shining
Always comes highly recommended with posters on the forum does the Co-op x
Posted: Thu Feb 04, 2010 8:46 pm
by merrypotter
Hi, Im coop too took it out whilst on my IVA so I know you will be ok , debit card with it too its FAB
Posted: Thu Feb 04, 2010 8:53 pm
by kentmikey
Hi Merrypotter, have you found that you are unable to use the debit card with Tesco homeshopping?
Mikey
Posted: Thu Feb 04, 2010 8:56 pm
by kallis3
If it is a proper debit card then you should be able to use it for online shopping.
Posted: Thu Feb 04, 2010 9:11 pm
by steppingstones
I would also recommend the NatWest Step account if it is just a basic account with a solo card you are after. I applied for one and was accepted no problem. I have managed to upgrade it to a current account with debit card with no hassle but I cancelled the overdraft facility.
Posted: Thu Feb 04, 2010 11:00 pm
by Karen.c
I am with the Co-op and opened this when my IVA started 3 years ago very understanding and opened over phone had details within 2 days fab service xx
Posted: Thu Feb 04, 2010 11:13 pm
by Skippy
I have heard that you can't use the Co-op debit card online with Tesco as despite the card now being recognised as a full debit card by Visa, Tesco apparently haven't updated their system.
Posted: Fri Feb 05, 2010 8:39 am
by newbeginings
How bizare! Still the mighty tesco can it seem do what they want!