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Basic Bank Accounts

Elsie2_2
Elsie2_2 Posts: 209 Forumite
in Debt-free wannabe
I am about to start to try and claim charges back from my bank and credittors. I am with Alliance and Leicester at present and would like to move to a new bank before starting. Any suggestions who i could go to. I've already been turned down for a "normal" account.
Bank charge Victories 07:MBNA:£205.77.Natwest Credit Card:£250.A&L Bank:£549.68.First Direct:£1183.50.Natwest:£112.33+£200 compo.Marbles CC:£298.Providian CC:£181.Capitol One CC:£388.46.PPI requests:A&L credit card/First Direct loan: At Court stage.Marbles CC:£213.02 refunded.GE Money:£562.34 refunded.First Direct credit card:£747.83 refunded.
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Comments

  • postingalwaysposting
    postingalwaysposting Posts: 13,987 Forumite
    natwest step account...

    co~op cashminder...

    sorry... more people should reply shortly but these are the only two i can every remember :o
  • Elsie2_2
    Elsie2_2 Posts: 209 Forumite
    Thanks for the reply. Natwest is one of my credittors. I would rather steer clear of my credittos so tht would rule out Natwest, Alliance and Leicester, Firs Direct (HSBC), Egg, and thats about it i think.
    Bank charge Victories 07:MBNA:£205.77.Natwest Credit Card:£250.A&L Bank:£549.68.First Direct:£1183.50.Natwest:£112.33+£200 compo.Marbles CC:£298.Providian CC:£181.Capitol One CC:£388.46.PPI requests:A&L credit card/First Direct loan: At Court stage.Marbles CC:£213.02 refunded.GE Money:£562.34 refunded.First Direct credit card:£747.83 refunded.
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    nationwide and coop are generally spoken well of and provide basic a/c
  • EEK!!!
    EEK!!! Posts: 19 Forumite
    I have a halifax easycash account I've had it for just over a year now and I've had no problems it fact it's brilliant. You don't get an overdraft or cheque book, (which was perfect for me) but in February they are issueing electron cards. You also have online banking which I find is a God send.
    You'll need to go into a branch to pick up an application form or you can call them and they will post it out to you.

    Hope this helps and good luck.
  • James&Shell
    James&Shell Posts: 558 Forumite
    Wee got the Coops Cashminder account and its fantastic and it comes with a visa electron card.
    :j WILL GET THERE SOON :j

    WATCH OUT FOR THE PIG FLYING PAST!!

    :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:
  • lush_bucket
    lush_bucket Posts: 101 Forumite
    Halifax easycash has been brilliant thus far for me. Most basic accounts take slightly longer to open as you have to send the application off, but its worth it. As another poster has said you get a visa electron card with this account, which is very handy for bill paying online. Hope you find one that suits you. Good Luck
  • earthmother
    earthmother Posts: 2,563 Forumite
    Part of the Furniture
    This is the FSA's official list of basic bank account providers (scroll to last page) hope it helps :)


    http://www.fsa.gov.uk/pubs/public/bank_account.pdf
    DFW Nerd no. 884 - Proud to [strike]be dealing with[/strike] have dealt with my debts
  • thesaint
    thesaint Posts: 4,324 Forumite
    Part of the Furniture Combo Breaker
    If you open up a CitiBank account via Quidco you will get a £50 referral fee.
    On top of that it is a fully fledged current account.
    Well life is harsh, hug me don't reject me.
  • Elsie2_2
    Elsie2_2 Posts: 209 Forumite
    Thanks everyone. I have opened a co-op account. Thanks for all the replies.
    Bank charge Victories 07:MBNA:£205.77.Natwest Credit Card:£250.A&L Bank:£549.68.First Direct:£1183.50.Natwest:£112.33+£200 compo.Marbles CC:£298.Providian CC:£181.Capitol One CC:£388.46.PPI requests:A&L credit card/First Direct loan: At Court stage.Marbles CC:£213.02 refunded.GE Money:£562.34 refunded.First Direct credit card:£747.83 refunded.
  • cazziebo
    cazziebo Posts: 3,209 Forumite
    Good choice! I joined them and really pleased with the service so far. And the internet banking looks good too
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