Which Basic Bank Account?

lonely2

Hi again. I don't post on here very often but think I'm seriously obsessed with the forum. (Log on every spare chance - usually a couple of times a night).

Anyway I'm looking for some more advice. Still terrified about phoning CCCS and wanted to have a couple of things in place first so that I'm all organised. I do need to act quite quickly now as I can't make the minimum payments this month.

I have put caller ID on my phone and now I want to open a basic bank account but don't know which banks are linked to my Creditors.

My creditors are

Northern Rock - Loan
Lloyds TSB - Loan
Mint- CC
Capital One - CC
Virgin - CC

Which bank should I approach re opening an account.

Once I have done this and my first month's salary has gone in I will definitely phone CCCS. I've explained on previous threads the massive extent of my debts (and rising) and that I can't let my OH find out.

Can I take my name off our joint account and if I do that will he still be able to use it as normal?

Any advice is greatly appreciated. I really just want to get the ball rolling now so I can maybe sleep again.

Thank you.

oops_a_daisy

am just bumping this thread as it has no replies but I dont know the answer so perhaps somebody else could help

skirt

we have A&L and a Nat West Step both are fine and give you a debit card, plus the A & L gave us a chequebook which is handy

TallGirl

You need to choose a bank you have no debt with so Lloyds is out and so is The Royal Bank of Scotland as they own Mint. I would have said A&L or Barclays is fine. Remember to take proof of income and ID with you when you go to open an account. Also you might have to open it by post or make an appointment. Ask for a basic account with no credit check.

Hope this helps.

DramaQueen29

Ive gone with halifax i think Im getting the account! have had bits of info through lol they dont request huge amounts of info on your salary etc

lonely2

Thanks for all your replies. I think I might try A&L.

Special thanks to oops a daisy for "bumping" the post.

System

Hey up Lonely, you say your obsessed with logging on a couple of times a night, I'm on this solid what does that make me?? Anyway, have a read of this thread http://forums.moneysavingexpert.com/showthread.html?t=180121 I also have a spreadsheet that details the links also. PM me you email address and I'll email it to you. Lenny

Burlesque_Babe

I would recommend Natwest basic account. Comes with a Solo card and DD's can be set up and salary deposited.

lonely2

Thanks Keren and Lenny for the advice. I have sent a PM Lenny

I am just really scared of applying for a new bank account in case I am declined.

Should I tell them I am about to try for a DMP or just keep quiet? If they ask me my incomings / outgoings they will see for themselves I'm in real trouble.

Tr@cker

A colleague of mine just got a debit card with Nationwide just 4 months into his bankruptcy.

Dr_Hook

If you apply for an A&L account, go through quidco for £50 cashback. I didn't know about it and missed out :mad: