I have a Natwest Step account. Basic with no overdraft or cheque book but I've been with them for a year and great service. You get a Visa debit card with it and do all your direct debits etc. I know when I started IVA the Step account accepted people in IVA's.
Hope this helps.
IVA started Sept 09. Glad to be on the way to being debt free
Many thanks for your replies. I have got an application form for the Natwest Step account and also the Nationwide Cash card account but both of which state that if you are in an IVA then you can't apply???!!!.
Unfortunately, the nearest Co-op branch is 30 miles away [:(]
I am concerned as all the wages and bills are paid from my partner's account which I thought was a good solution when I went into my IVA as no bank wanted to entertain me then anyway! but now it seems less than ideal especially in case anything should happen to him before my IVA finishes.
Do you know if the Co-op insist on having your salary paid into the Cashminder account?
you dont need your wages paying into the co-op account. The only circumstance that would result in co-op cashminder/natwest step not accepting you was if you were an undischarged bankrupt or fraudster according to the http://www.moneymadeclear.org.uk/pdfs/bank_accounts.pdf website.
If they refuse you then you can actually complain to the FSA for breaking the banking code
Distance to the branch shouldn't really be a problem as you can pay in to the account via the local post office or do it all online. I went into branch before my iva unless I needed to do a large cash withdrawal .. and the days of that happening are well and truly over !!!
The other thing is if you are not on the voters list. They will refuse you then.
I think the Co-op will accept undischarged bankrupts for the Cashminder account.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk