Help please opening a bank account.

Chesh375

Hi All

Wondering if anyone can give me any advice.

I have just been given a cheque that I need to bank but I don't have a bank account. I can't go back and ask for the cheque in another name.

The reason Ison't have a bank account is due to past history and bad debts and am using my partners account for my salary to go into.

I think I could easily get a basic bank account and that wouldn't be an issue but and this to me is the worry. The previous debts range from 2000-2004 and I have been untracable as such with no applications for credit ect since about 2006. I don't want to open account and then all of a sudden have a load of letters landing at the door. My plan with the debt is to try and sit out 6 years and then try and get the debts written off. They range from bank loan credit cards. The cheque is an early inheritance so I can't just leave it.

Can anyone suggest a particular bank (Natwest/Barclays and Lloyds are a no go) to go to or how to avoid becoming tracable again

EarthBoy

You should be using your inheritance to clear your debts, not coming on here and asking people to help you to lie low and avoid paying them whilst you enjoy your windfall.

The six year rule is there to prevent somebody from chasing you about debts you don't know about long after the fact, not for people to hide away in secret for six years just so they can get out of paying what they quite clearly know they owe.

Anyway, to open even a basic bank account you need to prove where you live, and if you are not on record anywhere you might find that very difficult to do. Hard cheese.

AnonymousForObviousReason

Santander is a great bank I would recommend to someone like you. Unlikely companies will bother to track you down now anyway, how they going to find it from a bank account anyway there's such a thing as data protection and privacy laws.

If you have awkward questions like income, just make something up like you get payments from abroad that you forward on taking cuts from the income - banks don't really check this stuff anyway.

powerone

whilst i think this thread is a wind up.

cant you just open a savings account that will give you a card.

Chesh375

EarthBoy wrote: »

You should be using your inheritance to clear your debts, not coming on here and asking people to help you to lie low and avoid paying them whilst you enjoy your windfall.

Ok maybe I didn't put that across the best way. I am actually paying one of them back at a agreed and afordable rate of £20 a month unfortunately that is my expendiable income. Once that is clear then I will maybe look at another and do the same. But until then to make it so that the family stay above water ect ect this is why things are done like they are.

The 'windfall' is enough to buy a very basic tumble dryer that will be more praticable at the moment than paying a couple of hundred pounds off.

EarthBoy wrote: »

The six year rule is there to prevent somebody from chasing you about debts you don't know about long after the fact, not for people to hide away in secret for six years just so they can get out of paying what they quite clearly know they owe.

I am going by what I know which I must admit isn't much and if the law exists the way it does then I am afraid due to the way things have panned out then I will try to exploit it. I would of much prefered to have been in a position not to be in the position I am in now, but that hasn't been how things have worked out.

EarthBoy wrote: »

Anyway, to open even a basic bank account you need to prove where you live, and if you are not on record anywhere you might find that very difficult to do. Hard cheese.

With pay slips, tax credits P45, work contract ect ect I hope to have enough documentation as a proof of address but thanks for the concern.

AnonymousForObviousReason wrote: »

Santander is a great bank I would recommend to someone like you. Unlikely companies will bother to track you down now anyway, how they going to find it from a bank account anyway there's such a thing as data protection and privacy laws.

My main concern was the bank searching and a reference being made on my credit file and then previous creditors searching and seeing this.

powerone wrote: »

whilst i think this thread is a wind up.

cant you just open a savings account that will give you a card.

Not a wind up I can assure you - but can I ask because I searched looking mainly at NI&S who I could possibly do that through and if so can I pay cheques in that are payable to me direct from other people?

powerone

if the cheque is in your name its yours.

I too feel a trip to santander is best for you.

Chesh375

powerone wrote: »

if the cheque is in your name its yours.

I too feel a trip to santander is best for you.

Thanks, I'm off to my local branch on Saturday!