Newbie with a Headache!

Dorsetdave

Hi Guys I've been scanning all the posts but got a headache! I'm about to enter a DMP with CCCS (thanks MSE originally approached by a Company£££!) was originally going for IVA (thanks again to MSE) didn't realise the implications!
I've got to open another bank account as £5000 of the debt is OD. I've got 2 accounts with LloydsTSB at present , and to be honest I'm managing to muddle along so I don't believe I'm in as much trouble as some, therefore I believe I'd probably get a "normal" acc. Do I risk trying to get a current acc (credit ratings probably only a bit dodgy at present) and trigger a rejection or do I play safe and go for a basic acc?
Really could use a Debit card and cheque book, I pay my rent by cheque, but I could manage without one.
Martin's got Santander down as his Best Buy but I assume they credit check and there's a few complaints on here about them.
Any advice would be appreciated, off to take a couple of paracetamols!

pmduk

Santander are best avoided. They may offer a good financial deal, but they do that as nobody who has had dealings with them would recommend them.

tellmeitsfriday

All accounts with credit facilities (i.e. chequebook, overdraft) are credit checked. Even the "basic accounts" offer some form of Visa card.

I can't remember all the details, someone else will pop in and fill in my gaps. HTH

Tupperware_Queen

co-op cashminder is good with a debit card and online banking, no cheque book tho

PNPSUKNET

cash minder still uses the electron bin code though, natwest may give a check book on their current plus acc with no overdraft. Although they are been phased out anyway these days