basic bank account?

uptomyeyeballsindebt

Hi there everyone,

I need a decent bank account,but it will more than likely be a basic one,as my current account with Lloyds TSB was closed a while ago.I have one CCJ and most of my cards etc are on payment plans.Can anyone recommend one that I may be able to get - maybe one that allows direct debits if possible......and what about stuff like paypal,and using a card to purchase stuff,how do I stand with that??

Any help and advice would be appreciated as I need to sort something out soon!
Many thanks in advance:beer:

10past6

Hi

I have a step a/c with Nat West, basic bank a/c no OD, no visa, but allows DD, my monthly DD to payplan also comes out of that a/c.

Trust this helps.,

themagics

we went to abbey they were very helpful we got a basic account that we can manage online to pay bills and can have direct debits go through also its just a cash card and theres no overdraft facility either so for last 2 years we have not been overdrawn

Violet1

I've just taken out a Cashminder account with the Co-op. It allows direct debits / standing orders and has an Electron card and online banking.

laccal

I have a nationwide basic account. you get a cashcard and it allows s/o and dd's. Also as Nationwide is not linked to anyone as long as you dont have a debt with them your money is safe.

check to see what credit cards you have and make sure the bank you choose is not linked in anyway to one of your cards, hence thats why i choose Nationwide

bargainbird

laccal wrote: »

I have a nationwide basic account. you get a cashcard and it allows s/o and dd's. Also as Nationwide is not linked to anyone as long as you dont have a debt with them your money is safe.

check to see what credit cards you have and make sure the bank you choose is not linked in anyway to one of your cards, hence thats why i choose Nationwide

Me too very good..

But have recently opened one with citibank with visa debit (bit of a result)

uptomyeyeballsindebt

Thank you all for the replies- I thought that there was no hope for me!!I can see there are a few to pick from,the town has branches of all of these banks so hopefully I should be able to try and sort something out Monday.Thanks again x