Which bank to use, advice please.

Lovestoshop!

Hi,

Payplan have informed me to open another basic bank account but can't be associated with my creditors, my creditors are as follows:

Egg
Halifax
Natwest
Capital One
MBNA Virgin

Is HSBC ok to go to?

moongarden

or co-operative if you want an electron card on a basic bank account

you can't spend more money than you have in the account as it will just decline - handy for using if u save money by checking prices of things on the internet

jesster_2

or Nationwide do a decent basic account with card...

Lovestoshop!

All the banks I have asked will only give a cashcard so you can't use it in shops, I know I can't have a debit card, but I thought I would be able to get a solo or electron card, but they aren't offered with basic bank accounts. So could try Co-operative, thanks.

Lovestoshop!

will the cooperative credit score me for that?

moongarden

no credit scoring on "basic bank" accounts
electron from co-op or
solo from natwest

however, i have noticed when i have been applying for a basic bank account the assistant in the bank always trys the line of "why are you only applying for basic acc, why don't i try for a better acc for you and if we can't we will offer the basic"
- of course this means they will credit search you for the proper current acc so just keep saying no

moongarden

nationwide account is not a "basic bank account" as defined by the government for people with bad credit scores
therefore they will credit score you

Lovestoshop!

excellent, will go Co-operative tomorrow! Thanks for all your help x

fizzel81

we got accepted for nationwide are you sure they credit search as our scores must be very low?
just curious thats all

Locana

woolwich do electron cards with their basicbank accounts as well. No credit checks...

sunflower_2

does anyone know if the Woolwich would allow me to open a basic account with them if i had previous debts with barclays?

are their computers linked?