Recommend me a Current Account

Barney_McGrew · 4 September 2009 at 12:32PM

Hi, i am currently in the process of setting up a DMP with CCCS. Because one of my creditors is also the main bank i deal with i have been told to either make this account a cashcard account only or to set up another account elsewhere.

Basically what im looking for is an account that will let me and my partner pay our wages into it, allow us to pay our direct debits and also have a debit card facility but with no overdraft. I now have a poor credit rating, is this likley to affect my chances of gettin a basic current account?

I cant get an account with Abbey, Lloyds TSB, Virgin, Clydesdale, Alliance and Leicester or Barclays since we are in debt to all of these.

Any recommendations or suggestions.

Thanks in advance.

digitalphase · 4 September 2009 at 1:35PM

What about Natwest or Co-Op?

christhesparky_2 · 4 September 2009 at 1:48PM

coop cashminder is quite a good basic bank account, it comes with electron card and you can have direct debits and standing orders on this account

mozzyc · 4 September 2009 at 6:02PM

HI

We've got the natwest step account. Comes with a solo card that you can use for just about anything. Just no overdraft or cheque book.
Good luck

Deep_In_Debt · 4 September 2009 at 6:17PM

You could still try Barclays. My ex OH went BR last year and Barclays were one of his biggest creditors and they still allowed him a basic account with Visa debit. They are BR friendly so worth a try?