Bank Accounts

cydney65

Sounds like my neck of the woods! I can confirm there are no Co op banks here!

cydney65

What about a credit union? We have a couple near us in West Cumbria. There may be some near you. They may be able to help.

RevTheory

cydney65 wrote: »

What about a credit union? We have a couple near us in West Cumbria. There may be some near you. They may be able to help.

a couple which all deal with savings Carlisle, Workington and Whitehaven are all savings only

bubblebath_2

This happened to me too.
My credit rating was appalling but Lloyds TSB accepted me with their basic account and so did Nationwide. Good luck.

cydney65

Bottoms! I thought the Maryport/Workington one did current accounts. OK thinking caps on...

RevTheory

cydney65 wrote: »

Bottoms! I thought the Maryport/Workington one did current accounts. OK thinking caps on...

its based in moorclose and its just saving as they used with the carlisle one

cocopop9

sorry to repeat, but why not try calling one of them to ask how to appeal the decline. was always done by post where i worked. worth a shot, a phone call might be cheaper than bus/train/taxi to a branch.

bsms1147

Which ones have you spoken to in person and what have they told you is the reason you've been declined. These are basic bank accounts, your past credit history should not come in to it.

cydney65

There is a Lloyds in Workington, they may be worth a shot as bubblebath suggested. The only other thing I can think of is a managed account such as think banking. I wouldn't normally recommend them but they may be your last resort. You don't even need to be on the electoral roll but I don't know if this applies in your case. I was thinking along the same lines as a previous poster in that a pre-paid debit card may work but I think some have maximum load limits, but I may be wrong.

Any one any ideas?

Edit: There is a Clydesdale bank in Workington and I think Carlisle. They do a basic account with debit card.

Kyresa

I applied for a nationwide basic online with no problems (needed a parachute account "just incase...")