We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Sub Prime Credit Thread - Part IV

1190191193195196866

Comments

  • i dont even know what to do i cant go on living without a bank account

    i have 2 catalogues but they wont even let me have a bank account ones been running for around 6 months, nothing but green 0's not a single missed payemnt

    is there a basic account that i can apply for completely online?

    i dont want the hassle of sending stuff off, but if thats my only option i may just have to
  • i dont even know what to do i cant go on living without a bank account

    i have 2 catalogues but they wont even let me have a bank account ones been running for around 6 months, nothing but green 0's not a single missed payemnt

    is there a basic account that i can apply for completely online?

    i dont want the hassle of sending stuff off, but if thats my only option i may just have to


    I donk know of any online applications but Barclays seem to be pretty good from what i have read on these forums.

    All you need to do is pop into a branch with ID and if accepted they will tell you your account details immediatly.

    Hope this helps.:)
  • cifpower
    cifpower Posts: 6,502 Forumite
    i dont even know what to do i cant go on living without a bank account

    i have 2 catalogues but they wont even let me have a bank account ones been running for around 6 months, nothing but green 0's not a single missed payemnt

    is there a basic account that i can apply for completely online?

    i dont want the hassle of sending stuff off, but if thats my only option i may just have to

    http://www.halifax.co.uk/bankaccounts/easycash.asp

    Apply online and you get a Visa Electron card. If you are on the electoral roll, they can verify your ID electronically so no need to send in ID. That's how it worked for me. Now I don't pay extra fees with Flybe or bmibaby
  • cifpower
    cifpower Posts: 6,502 Forumite
    I donk know of any online applications but Barclays seem to be pretty good from what i have read on these forums.

    All you need to do is pop into a branch with ID and if accepted they will tell you your account details immediatly.

    Hope this helps.:)
    When I applied for their basic account (Cash Card Account) I had to fill in a form, she took a copy of my passport and it was posted off. I was told I would hear back within 3 weeks.
  • cifpower wrote: »
    When I applied for their basic account (Cash Card Account) I had to fill in a form, she took a copy of my passport and it was posted off. I was told I would hear back within 3 weeks.


    Did they Accept you for an account. If so are they any good to bank with.
  • cifpower
    cifpower Posts: 6,502 Forumite
    Did they Accept you for an account. If so are they any good to bank with.
    No idea if I was accepted which is why I was told I would hear back within 3 weeks
  • Zack1
    Zack1 Posts: 1,433 Forumite
    I think the basic accounts accept anyone, there is no credit check as they don't report to the CRAs. Well Halifax don't, but Natwest have decided they want to report my basic accounts....

    I had no problem getting a easycash...they couldn't ID me when I was 15/16 though so I had to go into branch

    Good luck :)
  • cifpower
    cifpower Posts: 6,502 Forumite
    HSBC and Barclays do report their basic accounts
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    I have my mock driving test tomorrow with an official examiner and a week after that, I'll have my official test.

    I know I'll fail but I'll try and work my charm to bribe the examiner. :rotfl:
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • cifpower
    cifpower Posts: 6,502 Forumite
    ElkyElky wrote: »
    I have my mock driving test tomorrow with an official examiner and a week after that, I'll have my official test.

    I know I'll fail but I'll try and work my charm to bribe the examiner. :rotfl:
    Just flash a bit of thigh. Worked for me :D
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.