Can't open basic bank account

[Deleted User]

addwbkdag wrote: »

I'm a student so I work part time and paid in cash
£1000 is not a lot for 6 months

Are you declaring this cash anywhere as earnings?

[Deleted User]

Try other banks then - there's plenty out there to choose from

addwbkdag

!!! wrote: »

Are you declaring this cash anywhere as earnings?

Why is this relevant?

addwbkdag

!!! wrote: »

Try other banks then - there's plenty out there to choose from

I have honestly tried all of them

[Deleted User]

Why can you not get paid by BACS or other?

You'll just have to stick with Monzo for now then until your credit history starts "improving".

Have you checked CIFAS and National Hunter?

addwbkdag

!!! wrote: »

Why can you not get paid by BACS or other?

You'll just have to stick with Monzo for now then until your credit history starts "improving".

Have you checked CIFAS and National Hunter?

Ahh my mistake I was worried I would have a CIFAS not a CCJ - this isn't the case.

My employer operates mainly in cash as its a small business, I will ask hopefully they can!

Another factor is as I'm a student I dont have the option of an overdraft - which may be a blessing in disguise, or the option to open a help to buy ISA, so I'm very limited

Hopefully it is sorted, do you know how long it takes for your credit score to become good after 2 defaults ?

BrownTrout

Coventry Building Society?
Yorkshire Building Society?
Cumberland Building Society?
Skipton?

[Deleted User]

addwbkdag wrote: »

Hopefully it is sorted, do you know how long it takes for your credit score to become good after 2 defaults ?

That's irrelevant since your "score" isn't used in lending decisions

addwbkdag

!!! wrote: »

That's irrelevant since your "score" isn't used in lending decisions

So what is it based on?

addwbkdag

BrownTrout wrote: »

Coventry Building Society?
Yorkshire Building Society?
Cumberland Building Society?
Skipton?

Thank you! I will have a look at these - is this available in London?