Basic Bank Account

ladylumps

Me again!

I was advised to get a new account, but have applied for a basic one with Co-op (no reply whatsoever), Abbey turned me down but I dont want them anyway because their receptionist embarrassed me in front of everyone in the bank, the stupid cow and I have also been rejected by Smile and HSBC.

WHAT am I supposed to do?

amosworks

I managed to get a parachute account at Lloyds. I applied for a cash account which is the easiest to get and you can upgrade later as you fit their criteria. It required a passport and a recent bill. No deposit, and within 15 minutes of walking in to the branch, I had my sort code and account number, my password for their Internet banking service and the next day I received my card.

I was slightly stunned at their efficiency, and regardless of whether my bank action closes my account at RBS or not, I'm switching banks!

System

Ladylumps

PM me your email address and I'll email you a spreadsheet that details all the banks and what links they with your creditors. I will also email you a link to a thread that you must read inconjunction with the spreadsheet to make any sense of it.

Lenny

THE_LONE_RANGER_4

natwest basic account with solo card and yorkshire bank plus solo card and cash plus card (mastercard) a pre paid master card

laxdale

Hi,
I had a basic bank account with nationwide for a couple of years and found the staff very unhelpful, the charges for unpaid direct debits were bad enough, but on top of that I was charged for having unauthorised overdrafts. These so-called overdrafts only existed because they tried to take the bank charges when there was nothing in my account. I was in a circle of hell, of being charged for charges, which led to more charges. Eventually I gave up, am now pursuing them for £1000, and opened up a shiny lovely new Co-Operative bank account that came with an electron card. However, I have just found out that a friend of mine had 3 bounced direct debits on his co-op account and they closed it down. Is this standard practice and legally enforceable? I dont want to leave the co-op because their charges are low and you get a debit card but have had 2 bounced direct debits (not my fault of course, they take them on inconvenient dates etc without notice etc)...

Ideally I would like a basic account that gets upgraded. I've managed to get 2 high interest credit cards (littlewoods and vanquis) recently, so my credit score must be improving, but all I really want is a current account and a small overdraft to help with rogue direct debits.

Any advice greatly appreciated