www.iva.co.uk

Hi me and my husband have just recently completed our iva via a full and final offer my husband is self employed and really needs a buisness bank account as he currently uses our joint current account but as im about to go self employed too to be his bookkeeper he will need to pay me which id want paying into our joint account so we need to split our finances is there anyway he could obtain a buisness account ? Ive looked at cash minder ones but with his buisness he gets payed via flippin cheque ! So needs one that will accept cheques . Thanks

Cashminder accounts will accept cheque deposits over the counter in branch -- but do not offer a chequebook, so you cannot write cheques. It is in their terms, though, that these accounts are not to be used for business accounts (however, if subtle they will not notice!). A full blown business account is harder to come by while your credit files are shot. One or two forum members have managed ( at a Barclays brach in one case, I forget the other) to get one by appealing to the branch manager who over-rode the "computer says no" you usually get.

You could also try Yorkshire Bank.

I have seen Barclays offer business accounts but you could also try Lloyds or Santander.