www.iva.co.uk

My 6 years is up next month and want to upgrade my bank account from a cash card one to a current account. I'm with lloyds at the minute explained my situation they said doesn't look like l be able to upgrade with them. Who best to go with or is it really gonna be hard to get a current account even when my 6 years is up.

Hi, I stayed with NatWest and they upgraded me. I would suggest once your credit files are clear you can get one in most high street banks. I upgraded online with NatWest.

Hi,

You could try Barclays, Co-op or Nationwide. They are usually pretty good.

Thanks lesley so l wait till 6 years is up then try with another bank l might try natwest.

Thanks kallis think I'm a bit frightened to try incase they turn me down then it goes against me on my credit file.

Don't blame you. If you go into a branch and just put it to them, they may help you out without it going through the credit check initially.

I've been looking on natwest site you can open a basic account with them and still get a visa debit card but not a cheque book which I'm not bothered about that. Don't know if l should get the basic account then after a while they might let me upgrade the account.

I would still nip in and have a word in branch.

Think your advice is the best to do i'm best of going into a branch and explaining the situation.

I hope you can get an account sorted. Let us know.

Natwest have always been good to me and the longer you're with them the more chance of an upgrade so a basic account may be a good start. All the best, let us know how you get on.

Thanks both of yous l will keep yous updated.

I stared with Nat West basic account and after a couple of years upgraded to a select silver account. Their online banking is very good!

Thanks footie mad I'm really thinking of going with natwest just hoping there is a branch near me or l will have to apply online.

It is sometimes better to apply in branch than online.