Current Account with bad credit history?

Sammz

Is there a bank that will definitely offer a basic bank account for someone with a bad credit history? I'm not sure how bad but I know they have been refused bank accounts recently. One is a 19 year old student, the other 28 years old but has had credit issues since her uni days.

sgx.saint

I would recommend either:

Natwest - Step Account
Yorkshire Bank - ReadyCash Account

You should be able to open both of these accounts even with adverse credit.

Sammz

Thanks. I'll advise them of that.

sgx.saint

Thanks. I'll advise them of that.

Anytime

BYould

Also the Cooperative Bank Cashminder account will accept anybody and this comes with a electron debit card.

Nicho111

I think I am in an unusual position. I am a middle aged high earner. my basic salary is £72k plus I earn bonuses. However I have a poor credit rating due to recent periods without work. Is there a bank account out there that will help me as I want to claim back the charges from my current provider who were happy when times were good but now that I am in steady employment again (1 year) are being difficult and unhelpful!

jane21_2

i have just managed to get a natwest current account with debit card and we have a very bad credit histroy, (Iva finished last may)

jane21_2

unfortunately after initial acceptance and return of forms we where then declined!

happyhappygal

jane21 wrote: »

unfortunately after initial acceptance and return of forms we where then declined!

How frustrating for you!!!

I'm currently in an IVA and just got account with debit card etc with Alliance & Leicester. That may be an option for you. xx

Scousebird_2

jane21 wrote: »

unfortunately after initial acceptance and return of forms we where then declined!

Have you tried HSBC? I love them and they are absolutely fantastic. You will at least get a Solo Card on even their most basic account!