Anyone on a dmp got a Santander 123 account?

beckstar1975

Hello

Currently have a Barclays Basic account, but think we also don't own money to anyone in the Santander stable, although currently on a Payplan DMP.

Anyone know whether likely to be accepted for the Santander 123 account if we don't apply for credit? We clear about £3.5k income a month . .

Thanks very much

Rebecca

sickasachip13

Yep. Me and Mr SAAC have a joint one - we did open it up just as we were starting our DMP and our credit history probably wasn't completely destroyed at that point. We opened the basic bank account but it gives you everything you need and internet banking etc. They actually included a credit card in with our account automatically, but we returned this - although they took some persuading to take it back.
SAAC

simeyb

Hello! I have one, but only because I was a Santander customer anyway and upgraded (which was not credit scored). Unfortunately I suspect if you have any defaults (and perhaps AP markers) on your credit file, you would be unlikely to be accepted. Anyway the account is OK, I make about £9 a month after the fee from the cashback on bills, so you wouldn't be missing out on much!

little-jo-jo

Yes you will. I've been on my DMP for nearly 3yrs, my credit is shocking (3 defaults, 1 as recent as 2 months ago) and I got accepted for the 1-2-3 account in January when we moved house and wanted a separate bills account.
Wasn't eligable for the overdraft or creditcard but I didn't want those anyway xox