📨 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!

no access

Hi folks, hope you'll all be patient with this "newbie".
problem I have is none of the banks will let me open a bog standard a/c from which I can pay a couple of direct debits. Have explained that I don't want credit facilities/chequebook etc., makes no difference, still declined!
Without boring everyone with detail, my credit history is shot to bits, nothing extravagent-less than a grand. However can't do much about it at the moment
& even less so having to buy postal orders for car insurance & things which can't be done at post office/paypoint systems.

Does anyone have a solution to this please?. Thanks for your time
«1

Comments

  • asharon
    asharon Posts: 1,226 Forumite
    Part of the Furniture Combo Breaker
    have you tried nationwide ? There are also certain accounts that are basic and offer no credit. The nationwide is one and I think coop also.
    Nice to save.
  • Debt_Free_Chick
    Debt_Free_Chick Posts: 13,276 Forumite
    10,000 Posts Combo Breaker
    problem I have is none of the banks will let me open a bog standard a/c from which I can pay a couple of direct debits.

    You won't get a bog standard account, but you should get a basic bank account

    Co-Op Cashminder

    Nationwide Basic Bank Account NOT the FlexAccount

    NatWest Step Account

    And others in that first link
    Warning ..... I'm a peri-menopausal axe-wielding maniac ;)
  • fruit-loop
    fruit-loop Posts: 237 Forumite
    just a thought, as some people are being declined even a basic account. Natwest do an instant access savings account called first reserve, this comes with a solo debit card. It is branch based so anyone can open one and there is no credit score at all. Maybe you could get one of these and pay those bills over the phone with the card?

    Solo cards are becoming more widely accepted now and most companies take it (accept mattalan!).

    Edited to add link. http://www.natwest.com/personal02.asp?id=PERSONAL/SAVE_AND_INVEST/SAVINGS_ACCOUNTS/INSTANT_ACCESS/FIRST_RESERVE
  • sgx.saint
    sgx.saint Posts: 1,615 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Nationwide Basic Bank Account NOT the FlexAccount

    Sorry to thread hijack here ... so the Nationwide Flex Account is not actually a basic bank account?

    Just I was rejected for a Nationwide Account and I did ask for a basic one, but at application stage I am sure the bank clerk mentioned the term "flex account" ... I wonder if I should give them a ring and clarify
  • Debt_Free_Chick
    Debt_Free_Chick Posts: 13,276 Forumite
    10,000 Posts Combo Breaker
    Check this link ... Nationwide Basic Bank Account

    But go right to the bottom of the page - it's not obvious until you get the bottom but .... no the Flex Account is NOT the basic account. Naughty marketing by Nationwide :naughty:
    Warning ..... I'm a peri-menopausal axe-wielding maniac ;)
  • sgx.saint
    sgx.saint Posts: 1,615 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Even naughtier! Just spoke to Nationwide, two seperate advisors have told me that their basic account is their Flex Account! lol

    I have been declined for their Flex Account because I didnt meet the credit scoring criteria .. and I was like no sh*t sherlock thats why I am applying for a basic account :)
  • regularsaver1
    regularsaver1 Posts: 4,930 Forumite
    Basic accounts are not really credit scored - although some banks might
  • sgx.saint
    sgx.saint Posts: 1,615 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Well I applied for two basic bank accounts recently and both we're credit scored.

    Nationwide and the Co-Op! :/
  • regularsaver1
    regularsaver1 Posts: 4,930 Forumite
    Halifax easycash is not - get the pack in branch

    don't think post office is or natwest?
  • M_Thomson
    M_Thomson Posts: 1,596 Forumite
    Part of the Furniture
    Basic accounts are not really credit scored - although some banks might


    Any banks which offer basic accounts with a Solo or an Electron Debit Card are credit scored. Banks which offer basic accounts with just a cashcard like Halifax Easycash are not.
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
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.7K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258K 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.