really bad credit file

kelloggs1972

Hi all, just a bit of background, I've been through a bad divorce and have to markers on my credit file, one for repossessed car and the other for mortgage issues.my problem is I've a got a cov building society cash card account and they wont nor any other bank will allow me a debit card due to these markers, as most things are paid online these days I'm struggling to get the facility to do this as at the min I'm taking cash out and giving it to my partner who is then paying things for me, is there any way around this or anywhere that can help?
thankyou

solentsusie

Hi

Which banks have you tried? And more importantly have you applied for a Basic Bank account rather than a standard current account?

It might be worthwhile going into your local Barclays and speaking to someone who can assess your situation. Barclays Cash Card and Co-Op Cashminder, are recommended as good basic bank accounts on this site.

http://www.moneysavingexpert.com/banking/basic-bank-accounts

Good luck and let us know how you get on.

[Deleted User]

Try the post office and credit unions as some may offer an account similar to that of a bank's basic, as I understand it, have you also tried a building society as they might be friendlier?

Otherwise you could argue your case and take it to the Financial Ombudsman (FOS) if there is a no real valid reason coming about on why the bank's not allowing you, definitely complain x

kelloggs1972

Thanks for the replies I've just been refused a Barclays basic/ cash account due to these markers I've got a Coventry building society cash card account but they don't have the facility to pay for things online or instore, I was thinking of a pre pay card just to give me the option of actually using my own money how and where I want to which the banks do not seem to understand 😞

scattersong

Sounds like the way to go for now. There's a good outline for prepaid cards on mse. (can't post the link)

Although they don't improve your credit rating, (unless you take the cashplus credit builder).

richx45

Nationwide only did an I.D check on their cash card ccount when I applied last year, if it helps, that comes with a visa debit

You can apply online too, so your get an instant decision

Thrugelmir

kelloggs1972 wrote: »

as most things are paid online these days

What in particularly are you struggling to pay. Most companies have various methods by which they'll accept payment.

vanilla_twist

Try a ThinkMoney account. There is a monthly charge but they do not refuse new customers. Comes with a debit mastercard and online banking.

V x

solentsusie

richx45 wrote: »

Nationwide only did an I.D check on their cash card ccount when I applied last year, if it helps, that comes with a visa debit

You can apply online too, so your get an instant decision

I got accepted for the FlexDirect account about 18 months ago with 5 defaults on file. You may well be able to get a Cash Card account as they do seem more lenient than some banks. Or perhaps RBS/NatWest. When my credit record was really bad they accepted me for their Basic accounts.

And always best to try where you don't have previous debts that you have defaulted on. Some banks don't give second chances.

Have you checked your files with all of the credit reference agencies? They don't all hold the same information so it might be wise to make sure you know you have the full details of your debts and there isn't something there that is causing a problem you are unaware of.

Good luck.