Basic Bank Account Thread

julesb31

Jus thought i'd let people know that i have been on a dmp for approx 2 years, have 4 defaults and 2 ccjs. I received my citibank visa debit card a couple of days ago. Only took about two weeks from applying.

Very surprised but obviously there's hope for us all yet

thriftykatie

Intending to claim for bank charges but have dithered a bit as I don't want the aggravation of having to change bank accounts. First of all, has anyone any experience of claiming back from the Woolwich? Also, if I set up a bank account 'just in case' do they not need a regular income going in? I need an account with a debit card and also direct debit/standing order facilities and looking at the Citibank account it seems from the application form I need to have my salary paid in each month. New to this (although thinking about it for a while but now seriously going to do something about it) so would appreciate any help.

dexters_mum_2

With Citibank you have to producce a cheque for your initial deposit, we don't have a cheque book as we have a Step account (Natwest) and they won't accept a single signatory cheque, which I have but hubby doesn't.
N&P are supposed to have a cheque book on their basic accounts but they won't let you open a basic account with a CCJ, which my hubby has!

I'm OK bank & credit wise but he's got really quite adverse credit and we really need a joint account!

sgx.saint

dexters_mum, just to let you know, you don't need a cheque to open a CitiBank Account.

You can provide an additional form of ID instead. You just need to give them a ring.

dexters_mum_2

Ooooohhhhh THANK YOU SO MUCH SGX.SAINT!!!!
Saint by name and saint by nature!!

THANK YOU!

sgx.saint

Ooooohhhhh THANK YOU SO MUCH SGX.SAINT!!!!
Saint by name and saint by nature!!

THANK YOU!

lol, no problem .... I have to live up to my saintly image sometimes

richt71

lisaf wrote:

Hi,
I've just heard back today from Natwest regarding their step account. Basically, they've turned me down. If it's only a 'no frills' account then what have they got to lose? Anyway, has anyone got any ideas of another account that I would have more chance of getting?
I just didn't want loads of searches on my already bad record!
Many thanks in advance
Lisa

Lisa,
I have one step account with natwest but recently tried to open a second account (for sole trader purposes) and got declined. I asked why and they said that as a rule more than 1 ccj will get you declined. They told me to come back if I got 1 or both sorted. In fact they told me if I got both CCJ's satisfied (1 is now) they'd upgrade my step to a basic current account because of the time I've held the step (just over 2 years now!).
Hope that helps.

lisaf

Hi Richt, thanks for that. I don't have any CCJ's but I did apply for a joint account and my other half has got them so that must have been why! Having said that, my sister got approval yesterday and she has a CCJ. So I really don't know what's going on. I've just tried citibank on my name only so I'll just wait and see.
Lisa

sgx.saint

Lisa.

As per my original post here, have you a Yorkshire Bank near you?

lisaf

Hi sgx.saint,
I'm pretty sure There's not a Yorkshire bank near me.
Lisa