I need some help...

robotgirl_2

I think there's a few banks who provide basic services (no overdraft, cashcard only) so you should be able to open a new account regardless of credit history. I got one with Abbey a few years ago but I couldn't say for certain if they still do that account as I closed it a year later

I think this might be a good thread to look at though:
http://forums.moneysavingexpert.com/showthread.html?t=319736&highlight=opening+basic+bank+account

robotgirl_2

Oh and for reclaiming your bank charges check out this page first: http://www.moneysavingexpert.com/reclaim/oft-bank-charges

and then this thread should also be helpful if you have any questions on your specific circumstances: http://forums.moneysavingexpert.com/forumdisplay.html?f=102

I reclaimed mine earlier in the year before the test case stuff started so I'm not much use in this regard I'm afraid!

Tustastic

Ekim, have a look at Martin's article on the best bank accounts if you're always overdrawn:
http://www.moneysavingexpert.com/banking/compare-best-bank-accounts

then see if you can earn cashback on opening a new account online via www.quidco.com
HTH

simonleblank

My son had a similar problem with HSBC. The overdraft was changed to a managed loan @ 12% apr. He was then given a Basic Bank Account. He has now paid the loan off. He still has the Basic Account and does not want extra facilities hence it worked for him

itsnever2lateisit?

Hi Ekim, welcome

Looking at your SOA just a couple of ideas to save some money and hopefully start the haul to debt free freedom

Make your own lunch, boring I know but less that £2.50 a day
Also browse the net for you contact lenses, they are between a half and two thirds cheaper, and the same brand as you get from your optician usually