Current account

dumpyboy

Hello looking for a current account with a cheque book, I have not got to good a credit file 2 long term arrangement one default not showing settle got a nationwide cash card been told not a hope of getting a cheque book till 6 clear years after the last default is paid and more then likely 6 years after the arrangement is removed so 2024 looking at the best . Any one any ideas of who to try

jonesMUFCforever

Why do you NEED a cheque book?


You tell us this and we can advise further.

dumpyboy

At 46 I am fed up with have in to get my mother to write a cheque for me and grieving her the money

knack92

dumpyboy wrote: »

At 46 I am fed up with have in to get my mother to write a cheque for me and grieving her the money

Would it not be possible for you to use another method of payment for the transactions you currently use cheque for?

dr_adidas01

Hmmmm can't remember the last time I used my cheque book.

As others have said why do you need a cheque book what is it that your paying that you cant pay by debit card?

dumpyboy

I had to give a chq to my daughter for a school trip this weekend I would not give ex money as it would not be used for trip little things like that I thought after 7 years things would improve on credit file but now come to know that things never inprove

scoobydoothedog

Leeds Building Society used to do a premier current account that came with a chequebook. It was really a savings account with a chequebook from what I could make out. I can't see it on their newly revamped website but you could call them and ask I suppose.

Alternatively, if you really cannot obtain a current account with a chequebook about a building society savings account that allows you to have counter cheques? I know Coventry Building Society does one for example. I think some postal savings accounts might allow third party cheques. All a bit of a faff of course...

Good luck.

dumpyboy

Thanks that I was doing with my nationwide saveings account but then they slapped a 10 pound fee for doing it had me open flex account only to downgrade to cash card only with looking to up grade on a year nearly 3years latter told no way I be excluded from most nationwide products till 2024 bit of a let down after banking with them for over 30 years

dumpyboy

I went to TSB yeserday to try and open a bank account,I got asked about defaults told them the truth there. There were some from 7 to 8 years ago all settled apart from one which will be fully paid in September this year I said none are on my credit file so they do not count was told I would all ways have to declare them this seems un fair but told it would be fraud if I do not declare them if this is the case I stand no chance at all

Tremour-88

Once a CCJ or default drops off your credit-file after 6 years you do not need to declare them at all.

dr_adidas01

dumpyboy wrote: »

I went to TSB yeserday to try and open a bank account,I got asked about defaults told them the truth there. There were some from 7 to 8 years ago all settled apart from one which will be fully paid in September this year I said none are on my credit file so they do not count was told I would all ways have to declare them this seems un fair but told it would be fraud if I do not declare them if this is the case I stand no chance at all

If there over 6 years old you do not need to declare them at all, what you were told is totally false advice, and wouldn't be fraud at all.