Bank Accounts

RevTheory

Hi..

basicly i have alot of debt and im in need of a bank account because my current bank have said that they will take any credits from my account to pay the debt.

but every bank i have been too has declined me because of credit score,

im at the wits end because i wont have a bank account for wages which in turn means i will lose my job

what can i do?

pmduk

Look at the the very top thread, discussing basic bank accounts and choose an account discussed in the last few months. Make sure it's not allied to any banking group with whom you have debts.

RevTheory

pmduk wrote: »

Look at the the very top thread, discussing basic bank accounts and choose an account discussed in the last few months. Make sure it's not allied to any banking group with whom you have debts.

already looked in

i have debt in barclays and co-op just declined me saying i would have to go into a major branch which is physically impossible for me

grumbler

Well, sooner or later you inevitably run out of options.

Get your wages paid into some relative's or friend's account and ask them to give you cash.

RevTheory

grumbler wrote: »

Well, sooner or later you inevitably run out of options.

Get your wages paid into some relative's or friend's account and ask them to give you cash.

thats not possible either...my work dont allow wages to go into anyone elses account other then your own

grumbler

The banks don't care about the name. The sort code and the account number is the only information that matters for bank transfers. I am no expert and it might be different for wages/salary though.

Loading the money to some prepaid card can be an alternative to cash.

dalesrider

RevTheory wrote: »

co-op just declined me saying i would have to go into a major branch which is physically impossible for me

You may find the same with any bank offering a basic account.

Try HSBC.

Or try one of the buliding societies.

Again may have to be done in person.

RevTheory

grumbler wrote: »

The banks don't care about the name. The sort code and the account number is the only information that matters.

Loading the money to some prepaid card can be an alternative to cash.

its not the bank...

its my work we cant have any other account has a wage account other then mine...

dalesrider wrote: »

You may find the same with any bank offering a basic account.

Try HSBC.

Or try one of the buliding societies.

Again may have to be done in person.

HSBC i have debt with... the only building societies i have is cumberland which require a clean credit score

pmduk

We're trying to help and you're playing the "yes, but" game. You need to put yourself out more. Which Basic Bank accounts have declined you? NB Co-op telling you to visit a branch is not the same as declining you

grumbler

RevTheory wrote: »

its not the bank...

its my work we cant have any other account has a wage account other then mine...

You missed the point. I suggested to give your employer your name and the sort code and the account number of some friend/relative.

Again, I am not sure that this will work for wages. More knowledgeable people can either confirm this or correct me.

RevTheory

grumbler wrote: »

You missed the point. I suggested to give your employer your name and the sort code and the account number of some friend/relative.

Again, I am not sure that this will work. More knowledgeable people can either confirm this or correct me.

i didnt miss the point my work do a modulus check on all bank details which checks the name and detail match with the bank...

t