Problems Opening a new Bank Account...

[snowman365]

I seem to remember someone saying that Co-op will let one have a Basic Bank Account, even if they are one of your creditors - does anyone know if this is the case???

[Moneystinks]

Hi Snowman

I initially panicked hen I went to get an account with the Co Op as they referred the application I was convinced they were not going to give me an account - not sure what woul have happened if they were a creditor. Anyway about 2 wks later account opened and bobs your uncle.

BUT in the mean time I actually walked into an Abbey branch and opened an account with them. I took 3 bills, passport, driving licence, birth certificate etc. They gave me an account number the same day!

Good luck. XX

[ray_a]

Halifax easy cash account is also very good as well!

[michael.t47]

i have moved to alliance & leicester got a debit card an a savings account, and like yourself i had not missed a payment when i applied. i then cancelled everything and am now proceeding with iva application

[greeneyes34]

I had a very good experience with natwest. I needed to change my bank account from first direct and I just went into the local branch (i'm lucky enough to be able to walk in at lunchtime). Said I wanted a basic bank account, nothing fancy, no chequebook, just wanted to to keep it simple. they couldn't have been more helpful. I already knew that I wanted the step account. The whole thing took about 15mins. My card was through within a week. i have since opened an e-savings account with them online - which was really easy as I had already registered for online banking, and I have set up a standing order to put my contingency amount into it each month. That may be being a bit premature as I haven't had my IVA agreed yet but it is nice to know it is already set up ready to use.
So at the moment no complaints from me about NatWest!!

[bev.nn]

C0-op Bank definetley will set you up with a basic bank account (cashminder)You apply over the phone and its all done there and then. No credit checks as far as I know (well mine wouldnt have gone through if this was the case)and i seem to remember the guy on the phone telling me that nobody is refused a cashminder account - even bankrupt people are allowed them!!

[snowman365]

Hi Guys

Thanks for all the replies and info.

Since then, I have now had a letter from Natwest saying I now have a Basic Bank Account, and should get my card in the next few days!!! Bizarre - this is after the woman in the Branch said they would not take me!!! They gave me an Acc. No. and SC so it must be true!!!

Since then, I have also applied to RBS for a Basic Account - I did it online and am waiting to hear back.

Would like to go with Coop but they are one of my creditors so not sure if they would have me???