Bank Account HELP for bad credit

kopowl

I am a new poster and need some help and advice.

I have an IVA setup for some time now, my bank accounts at Yorkshire Bank were left untouched as I dont owe them money etc so they are fine. I am thinking of reclaiming bank charges back but firstly I wanted to set a new bank account up but due to having the IVA I am being refused at banks. Can anyone let me know if;

a I would be able to get just a basic bank account somewhere
b If I can get banking elsewhere, what banks would have me.

I am just concerened that if I reclaim my charges the bank will shut my accounts down and I wouldnt have a bank acount at all to pay direct debits etc

Thanks

marcellep

There are a few threads on this forum that will help you decide what to apply for.

This thread is for Citi Bank- They seem to be flexible when it comes to opening current account. I would suggest applying for the account without the OD and if applicable apply for the access account. This gives you a debit card too.
http://forums.moneysavingexpert.com/showthread.html?t=364010


This thread is also about basic bank accounts -

http://forums.moneysavingexpert.com/showthread.html?t=319736

Elliebell

i'm the same kopowl, Natwest refused me.

I need to find a bank account too, as i'm going to start claiming my charges back and dont want to untill i have a bank account.

I wish i knew what i know now when i was younger, i wouldnt be in this mess now with my finances!

kopowl

I know what you mean Elliebell, I am glad I have bitten the bullet and done something official about our situation. We had a debt management program setup with CCCS but we were still hounded by creditors (Halifax Visa were terrible ringing about 5 times a day 7 days a week, even though we put an harrassment case forward to them).

Every three month the creditors wanted new income and expenditure forms sent to them and were always pushing to get the payment increased. The thing they dont understnad or care about is that fuel bills go up etc but the salaries dont go up to match it.

In the end we went for an IVA and are doing really well and are not being chased. Its a weight off of our shoulders just to have nice phone calls.

Just want to get at Yorkshire bank and get our charges back but if they close the accounts I will have nowhere to bank, but I will keep trying. I will let you know how I get on and hope your situation ends up really good