a full current account with a satisified ccj

darcyvuqua

hey guys i have a satisfied ccj for 2005 i have just got my first credit card at the age of 27 but im fed up with a basic account with lloyds (secondry bank hsbc are my first and happy with them) the thing is i like to keep my bills payed in and out of a seperate account but i hate lloyds and i have had dealings with halifax before and left them so that rules out hsbc,- lloyds and halifax (altho there kinda one bank now)

anyone know a bank that will give you a full current account with a satisfied ccj??

cifpower

Citibank may. They go through phases of lowering their credit scores. They offer a full Visa Debit card (2in1 or 3in1) and £500 interest free OD if you pay in your salary.

darcyvuqua

thanks cif i will try but would like some more suggestion before i actually apply with anyone so come on guys

jonesMUFCforever

As the CCJ will still show on your credit files this might well restrict your choice - many may offer you a basic account - a lot now do have debit cards but you may be restricted to their own ATM's or Post office for cash withdrawals

Mrs_Ryan

Try A&L - i have an unsatisfied CCJ and multiple defaults and they gave me a Premier account with Visa Debit no problem.

sutton111

Mrs_Ryan wrote: »

Try A&L - i have an unsatisfied CCJ and multiple defaults and they gave me a Premier account with Visa Debit no problem.

did you apply on-line?

darcyvuqua

Mrs_Ryan wrote: »

Try A&L - i have an unsatisfied CCJ and multiple defaults and they gave me a Premier account with Visa Debit no problem.

just been accepted could you post a link to there card or post a image interested in seeing what card i get!! thank you mrs ryan

Catbag

Mrs_Ryan wrote: »

Try A&L - i have an unsatisfied CCJ and multiple defaults and they gave me a Premier account with Visa Debit no problem.

Really? I've just opened a basic account with Lloyds TSB, having 2 unsatisfied CCJs and a couple of defaults. Having read your post, i've just gone to their online application form because i would far prefer a proper current account, but pretty much the first thing it says is that it isn't suitable for people with CCJs. Is this something that they can choose to ignore then, or is this a recent rule they've just imposed?

Ta

darcyvuqua

mine is settled i think that this really does make a difference as i could get nothing when it was still outstanding!!

fairmorn308

darcyvuqua wrote: »

mine is settled i think that this really does make a difference as i could get nothing when it was still outstanding!!

I just applied and now awaiting a reply in next 24hrs

Hope they accept me tho

darcyvuqua

i got that answer and about 2 hours later i had a email saying i was accepted!! good luck fairmorn......