Need new basic bank account

zippee

After speaking to the CCCS tonight and finally admitting we need to do something, I need to set up a basic account to get things paid into etc and for priority bills.

Which accounts are the ones to go for and easy to set up?

Anyhelp appreciated.

Benjo_2

Hi,

I went without a bank account for a long time after getting a CCJ and being quite badly in debt, I opted for a Royal Bank Of Scotland Key Account.

It is good for Direct debits and having your wages paid into etc but only offers a cashline card not a Debit card so therefore cant tempt Unnecessary spending.

System

Have a look at this link
http://forums.moneysavingexpert.com/showthread.html?t=180121

It details which banks have associations with what creditors and what services each account provides.

There is another thread that gives you a link to the file I mention. It was posted recently. Can anyone help?

Lenny

loneranger

Alliance and Leicester,apply online. you get an electron debit card and cheque book.

zippee

Thanks everyone, I'll look into these

Brassicks

Zipee,ive opened up with the Woolwich,couldnt have asked for a more friendly lot....Pity they now barclays......

zippee

Does Barclays have a bad reputation then?

Brassicks

zippee wrote:

Does Barclays have a bad reputation then?

Yup,they a bank.

Benjo_2

As far as am aware the Royal Bank Of Scotland do not do any credit checks for the Key account, Therefore, any credit record is welcome, they upgrade as well afer 6 months if you call your local branch,

if you have not got a local branch you can pay cheques etc into any branch of the halifax for quick clearance

Brassicks

Benjo wrote:

As far as am aware the Royal Bank Of Scotland do not do any credit checks for the Key account, Therefore, any credit record is welcome, they upgrade as well afer 6 months if you call your local branch,

Then they start throwing big loans at you...and get you into big doo doo

JoJo_Sparkly

Alliance & Leicester will give you a basic cheque account with visa electron card. You can apply online for their premium account - and they'll turn you down but offer you their basic account instead. Takes a couple of weeks to set up and they'll transfer your direct debits fo you.

Jojo