Basic Bank Account Thread

BBZ68

Is there actually a basic account where no credit check is made?

BBZ68

Any body have any ideas at all?
Thanks

stclair

BBZ68 wrote: »

Is there actually a basic account where no credit check is made?

Basic bank accounts are not normally credited scored. They will just do an identity check.

The only bank I know that does a credit search is Natwest/RBS.

BBZ68

My situation is bad credit history, CCJ's etc.. built up in a previous relationship.Have just returned to the uk and found employment and obviously I need a bank account to receive my wages before I can address my debts. Have ID but foolishly did not maintain my bank accounts when I moved abroad a couple of years ago.To be honest if a bank did a check then they wouldn't toch me, nor would I to be honest so I don't blame them.Was just looking for a very basic account where no questions are asked really.Am I being unrealustic? I want no extras just deposit and withdrawal facility.

stclair

BBZ68 wrote: »

My situation is bad credit history, CCJ's etc.. built up in a previous relationship.Have just returned to the uk and found employment and obviously I need a bank account to receive my wages before I can address my debts. Have ID but foolishly did not maintain my bank accounts when I moved abroad a couple of years ago.To be honest if a bank did a check then they wouldn't toch me, nor would I to be honest so I don't blame them.Was just looking for a very basic account where no questions are asked really.Am I being unrealustic? I want no extras just deposit and withdrawal facility.

Which banks did you have previous debts with?

BBZ68

Plenty really, nationwide,alliance & leicester, Cards with MBNA, loans with several including leeds, alliance etc too.Had good credit for many years before and held mortgages with HSBC.Still have a Child trust fund with them.

stclair

BBZ68 wrote: »

Plenty really, nationwide,alliance & leicester, Cards with MBNA, loans with several including leeds, alliance etc too.Had good credit for many years before and held mortgages with HSBC.Still have a Child trust fund with them.

So you could apply for a basic bank account with Natwest, RBS, Co op, lloyds TSB and Barclays then take you pick.

Personally id go for basic barclays cash account you can open one in branch.

BBZ68

Erm, think I hit Barclaycard too, they are linked right? Also last time I popped into Barclays the guy needed to book an appointment for an hour or so,guess I would be sweating and do I fess up?

stclair

BBZ68 wrote: »

Erm, think I hit Barclaycard too, they are linked right? Also last time I popped into Barclays the guy needed to book an appointment for an hour or so,guess I would be sweating and do I fess up?

Lloyds TSB, RBS and Natwest restrict their card use to their own ATMs you can apply online though.

Or give the co op bank a call to make an application.

dizzybee

Looking for some advice please i am due to go on a DRO and have been adviced to close both my natwest and Halifax accounts and open a new one that isnt linked to either of these banks. i currently have Direct debits set up with Royal bank of Scotland but have heard they are linked to natwest.