Safe to open a bank account?

simeyb

horsecart wrote: »

Your right,

I went into Barclays yesterday and enquired about a Cash Card Account. The bank manager said they would have to do a credit check. I told them I would fail a credit check and why would I need one.
They told me that if I failed, I could still get a cash card account.
I asked them why do I need to do it then.
"You just have to"

Now that I've got no choice, I guess the debt collectors are going to come knocking again.

Screwed if you do, screwed if you dont.

The reason you are screwed, as you put it, is because you're trying to hide from at the very least communicating with the companies that you owe money to. You can't expect them just to write amounts off because you can't take the step of at least communicating and offering some form of token payment - can't have your cake amd eat it I'm afraid

poppellerant

This article may help you.

Generally, Nationwide and The Co-operative seem most likely to offer you a basic bank account. Bear in mind, however, that these accounts may only offer cash cards - these are basic cards for use at ATMs, not debit cards with chips in that you can use and chip and pin terminals found in most shops.

horsecart

simeyb wrote: »

The reason you are screwed, as you put it, is because you're trying to hide from at the very least communicating with the companies that you owe money to. You can't expect them just to write amounts off because you can't take the step of at least communicating and offering some form of token payment - can't have your cake amd eat it I'm afraid

I've already addressed paying them back WHEN I can afford to, if you cared to read the thread.

But thanks for your judgemental comment.

horsecart

poppellerant wrote: »

??????? cant post URL's yet article may help you.

Generally, Nationwide and The Co-operative seem most likely to offer you a basic bank account. Bear in mind, however, that these accounts may only offer cash cards - these are basic cards for use at ATMs, not debit cards with chips in that you can use and chip and pin terminals found in most shops.

I went with the Cash Card account (Barclays basic) that officers a debt card and internet banking (both are essential these days).

The VERY next day the debt collectors letters started again. It's like magic!

LeaLea89

The best thing to do would be to contact them and tell them your circumstances. Believe it or not some of them do listen and will help.

John1993_2

horsecart wrote: »

I've already addressed paying them back WHEN I can afford to, if you cared to read the thread.

But thanks for your judgemental comment.

It wasn't judgemental, it simply stated the facts. You don't just get to choose to pay back money owed as and when you feel like it without there being resultant consequences.

I can foresee no bank wanting to touch you again if you are determined to continue down your current path. This won't be a good outcome for you.

iolanthe07

The VERY next day the debt collectors letters started again. It's like magic!

I really am surprised that they are as efficient as that; you could be pro-active and take control by offering them a deal rather than trying to hide from them.

horsecart

iolanthe07 wrote: »

The VERY next day the debt collectors letters started again. It's like magic!

I really am surprised that they are as efficient as that; you could be pro-active and take control by offering them a deal rather than trying to hide from them.

It surprised me too. I've already covered my ability to repay earlier in the thread.

iolanthe07

would only alert big brother of my whereabouts.

This comment is what made me think you were trying to hide from them. Sorry.

bengal-stripe

horsecart wrote: »

The VERY next day the debt collectors letters started again. It's like magic!

Good to hear, the Royal Mail is reliable again!