Hi. Mish is right. First thing, get a new bank accounts.
Here is a link to the bank accounts suggested. When you go into the Bank be exact in your requirements, state the account you want by name, otherwise the banks will try and 'sell' you a normal current account which will most probably be declined due to a credit search.
I have no bias to any bank however my recent clients tell me Natwest Step Account is especially good. Cash card, standing orders, direct debts, you just dont get an overdraft or cheque book, which you dont need anyway.
Hope this helps.
http://www.payplan.com/pdf/bank_acc.pdf
The above link is from Payplans site. They have a very good bank account recommendation document. I hope this helps.
