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Hi please help

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I need to find a bank account wich accepts folks with adverse credit asap,can someone help me please ??????

Thanks Becki x

Comments

  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi
    See http://www.fsa.gov.uk/consumer/pdfs/bank_account.pdf
    Go to page 6. Some accounts are available (in theory :rolleyes: ) even for undischarged bankrupts ...
  • BYould
    BYould Posts: 77 Forumite
    Bekci, if you earn over 20k then apply to Citibank as they have just accepted me and I am a discharged bankrupt.

    If not apply for the Cooperative Bank Cashminder account.

    Hope that helps.
  • Is there a certain account i should apply for with citi bank and is it a current account ?

    Thanks
  • BYould
    BYould Posts: 77 Forumite
    The account I have got is the sterling current account, if you apply on line you can't miss it.

    Ben
  • sgx.saint
    sgx.saint Posts: 1,615 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Or you can try ..

    Natwest - Step Account
    Yorkshire Bank - ReadyCash Account

    Both these accounts come with a debt card as standard and internet banking and all the other usual frills.

    I can recommend both of them from personal experience.
  • richt71
    richt71 Posts: 946 Forumite
    sgx.saint wrote:
    Or you can try ..

    Natwest - Step Account
    Yorkshire Bank - ReadyCash Account

    Both these accounts come with a debt card as standard and internet banking and all the other usual frills.

    I can recommend both of them from personal experience.

    People should be aware that Natwest will ONLY let you have a step account with a maximum of 1 outstanding CCJ. I know this as I have a step account and tried to open a second about 6 months later for a sole trader purpose but they declined due to 2 CCJ's from a bad period of time! They told me they accept people with 1 CCJ though!
  • I just opened a nationwide flex account online for the OH. He didnt have a bank at all. There were no problems. It is just a basic account with a cash card, but you can set up DD's one off payments etc.
    Anyone who lives within their means suffers from a lack of imagination:beer:

    Oscar Wilde
  • kazi_2
    kazi_2 Posts: 21 Forumite
    my credit is pretty dire and i managed to get accepted for a full halifax account, they give you an overdraft and a debit card and reassess after 4 months, i think this only applies if you arnt already a customer tho and if you are getting them to switch your account from another bank. I think it depends what you mean by adverse credit.

    Learn from the mistakes of others - you won't live long enough to make them all yourself.
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