www.iva.co.uk

On the advice of my IP I just opened a new bank account in preparation for taking out an IVA.

I opened one with the Nat West but during the process he happened to mention they were affiliated with RBS, one of my creditors.

Will this be a problem?

If you have opened a Step account it should be fine but to be completely comfortable it may be worth trying to find another account.

If you have no credit with the Co-op they come highly recommended amongst forum members. Worth a try, I do believe you need to apply for a basic account via the telephone but my understanding is they're IVA friendly.

The Co-Op's not an option for me unfortunately, they are one of my creditors...

I seem to recall the Yorkshire Readycash account being mentioned elsewhere. Yorkshire are part Clydesdale Bank that are themselves owned by National Bank of Australia.

Whilst you're pre-IVA you might not need to take out a basic account at all as your credit checks may pass. But of course you need to avoid any existing creditors and getting any credit line (i.e. overdraft) with the account

We all own RBS (including you).
Sorry, couldn't resist..

Yorkshire do usually come recommended, you could always try Barclays or even some of the smaller building societies.