how do i get a bank account

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shane19

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Post by shane19 » Sun Mar 16, 2008 9:39 pm
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how do i get a bank account to set up direct debits for monthly payments to my creditors and my monthly bills. i have been turned down by Nat West and most of the other banks are my creditors!
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MelanieGiles

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Post by MelanieGiles » Sun Mar 16, 2008 9:40 pm
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Hi shane and welcome to the forum

A lot of forum posters are with the Co-op Cashminder Account which I believe will allow direct debit payments. This might be worth looking into, but only if you have no debt with the Co-op.
Last edited by MelanieGiles on Sun Mar 16, 2008 9:40 pm, edited 1 time in total.
Regards, Melanie Giles, Insolvency Practitioner
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chris.g

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Post by chris.g » Sun Mar 16, 2008 9:50 pm
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I can vouch for co-op cashminder, visa electron card, D/Debit's, phone and internet banking, good customer service & you can make deposits in post offices. Good account providing they are not a creditor
It's nice to be back......
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emma_t

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Post by emma_t » Sun Mar 16, 2008 10:16 pm
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Hi shane

make sure that you are asking for a basic bank account - you will still get a visa electron or solo debit card and be able to have direct debits.
It maybe that you are applying for standard current accounts and thats why you are getting rejected
Good luck
Emma
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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Reviva UK

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Post by Reviva UK » Sun Mar 16, 2008 10:18 pm
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I would also recommend the COOP. You can use direct debits / standing orders and have a full Visa Electron Card.
Paul Johns
Reviva UK
Assisted Bankruptcy Specialists
www.revivauk.com
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size5

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Post by size5 » Mon Mar 17, 2008 11:56 am
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You can call them direct on 08457 212 212, press the hash key and simply ask them to help you open a Cashminder account.

Regards.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself

Follow my tweets at http://twitter.com/debtmastersize5
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joh71262

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Post by joh71262 » Mon Mar 17, 2008 12:02 pm
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The Co-Op are great. I actually went in to the local branch to see them and the young guy in there was really nice and very helpful. I also asked about the chance of moving my mortgage to them at some point but he said it wouldn't be possible at that point.

The paperwork is really easy and, as long as you don't owe them money too, they will arrange for the transfer of all your DD's etc on your behalf.

Good luck. [:o)]
There's light at the end of the tunnel - it's just that sometimes the tunnel seems so long.

IVA Complete June 2009
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louisa.s

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Post by louisa.s » Mon Mar 17, 2008 1:25 pm
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Halifax Easycash is another account very similiar to Co-op!
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zoe

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Post by zoe » Mon Mar 17, 2008 1:34 pm
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I have a nationwide account, although i understand they no longer offer.
I also have a Sainsburys online saver
xx
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rollercoasterride

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Post by rollercoasterride » Mon Mar 17, 2008 1:39 pm
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Hi
I opened a basic current account with Abbey. I got a visa debit card with that and they will transfer all your direct debits too if you want them to. Don't need any money either to actually open account!!! Only problem is they keep ringing me re my mortgage telling me they could save me £180/month iof I switched to them - am I allowed to do this is IVA, and would any savings then have to go to creditors? I've not told Abbey I'm in IVA by the way!!
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