Anyone refused Barclays basic account?

anywayout

Hi

Ive been active on the DMP support thread. I've recently started a dmp with stepchange and they have advised me to get a new bank account as my current bank will be one of my creditors. Ive called the co op twice to send me an application pack both havent arrived and time is running away with me for the deadline to change my account details at work. I live in the sticks so not much choice when it comes to banks but there is a Barclays about 20 miles away. my plan is to go into the branch on Monday or Tuesday and set up an account. It will just be the basic account so no overdraft etc. I know I will be refused a current account because of my credit report but has anyone ever been refused a basic account because of bad credit? Also should I tell them that im going into a dmp? I dont think Barclays are associated with my currrnt bank - RBS? Sorry if the questions sound daft ive got so much running round my head at the moment thanks for any replies

fermi

People who are currently undischarged bankrupt can get the basic Barclays account, so you should have no trouble.

andrar

Just make sure none of your other debts are associated with Barclay's as well.

I'm sure that for a basic account they don't do a credit check which is why they're best for people like you and me!

[Deleted User]

I think I may have just found the account, I've been looking for. :cool:

anywayout

Thanks for all your replies. I have had a quick look and I don't think Barclays are associated with RBS so I think they may be the way to go. Thanks again

andrar

anywayout wrote: »

Thanks for all your replies. I have had a quick look and I don't think Barclays are associated with RBS so I think they may be the way to go. Thanks again

Are all your debts just with rbs? If any debts have anything to do with Barclay's eg credit cards, loans then best not to use them for your bank account as they could still take your money to pay off the debts.

Good luck with it!

anywayout

andrar wrote: »

Are all your debts just with rbs? If any debts have anything to do with Barclay's eg credit cards, loans then best not to use them for your bank account as they could still take your money to pay off the debts.

Good luck with it!

Yeah only bank debt is with rbs the others are pay day loans and catalogues - I know im stupid!! Did have a loan with rbs but finished it last year only overdrafts left now. Thanks

carol1963_2

I will post later with a new thread............Update........

I too need to open a new basic bank account does anyone know has anyone been refused a Coop Cashminder account? I have my mortgage with them. Thanks, Carol

sourcrates

carol1963 wrote: »

I will post later with a new thread............Update........

I too need to open a new basic bank account does anyone know has anyone been refused a Coop Cashminder account? I have my mortgage with them. Thanks, Carol

I don't think coop are accepting new cashminder accounts anymore, I read it somewere last month that because they and Barclays were the only banks offering basic accounts, they had an unfairly large share of the market and wanted the other banks to offer more people basic accounts, and until that happens they would not offer basic accounts anymore, your ok if you already have one though.

fermi

Cashminder is still available: http://www.co-operativebank.co.uk/currentaccounts/cashminder

They did stop offering it to people undischarged from bankruptcy, which may be what you are thinking of?

sourcrates

fermi wrote: »

Cashminder is still available: http://www.co-operativebank.co.uk/currentaccounts/cashminder

They did stop offering it to people undischarged from bankruptcy, which may be what you are thinking of?

Ah.....yes that was it ! thanks fermi:beer: