Basic Bank Acounts

tigerfeet2006

Please move this if it is in the wrong forum.

At the moment we have a basic bank account with the Halifax. But we are going to try and claim back fee's from when they have charged us £39 when we've been overdrawn, usually by a fiver.

So we are looking for a new bank/ building society with a basic account. Does anyone have any reccomendation's? If possible I would like to be able to bank on line.

Many thanks.

maverick007

Hi tigerfeet, check out the following url :- http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1126693751,89953,
Its from martins latest newsletter and it comes with cash back for opening the account. Its with the Alliance and Leicester

CLAPTON

you may wish to view

http://www.fsa.gov.uk/consumer/pdfs/bank_account.pdf

natwest step a/c gives a solo card and is recommended
nationwide and co-op are also well spoken of.

tigerfeet2006

Wow! thank you for your prompt replies and your advise.

tigerfeet2006

Wow! thank you for your prompt replies and your advice

maverick007

Give the halifax hell!!!!
enjoy spending your money when you get it back from them

tigerfeet2006

Thank you very much. Now I've decided to do it I now have to find out how!!
I'm planning to sit down tomorrow and see what Martin has to say about it. Just want to make sure I've got another account in place before I try. Not sure that the A & L will give us an account so I am also looking at the co-op. Acording to the list on the government site they charge the least for going overdrawn.

maverick007

The link for reclaiming your bank charges is :-
http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,
Good luck

tigerfeet2006

Oh! my goodness thank you so much. What an wonderful thing to do.

Guess what I'm doing tomorrow night? lol

bluezone

You can apply for a Natwest a/c online and they are really good. They even took me on being bankrupt

tigerfeet2006

Right applied for an A & L account. Probably won't get it as they do a credit check and our's is shot to bit's. But we will see.

The other account I was thinking about was the Co-op basic one. Do I apply for that before they finish the credit check or wait to see if we are refused the A & L one?

Sorry bluezone can't apply for a Nat west one as we owe them money from when our business went belly up.

Have looked at the reclaiming charges thing and will go down to the local internet cafe and will print out the forms to send off.

Thank you for all your help everyone. What a great community.