loopies

[loopies]

:tinysmile_cry_t:hi all very very new to this thingy,but my problem is that i have a real bad credit record and dispite me trying all the banks,I keep getting rejected.Also i have treid to get my name on my wife,s account but satander refuses to allow this,altho there is no credit,overdraft or anyway of getting credit on her account.I am getting desperate,I have just started a new job and you have to have a bank account to get paid
any surggestions are welcome

[pompeyfaith]

Re: loopies

Have you tried The Co-operative Bank I believe they take people with damaged credit records

Worth a try

[Caspar]

Re: loopies

They accepted me and believe you me, your credit record won't be worse than mine. I think Halifax do one without a credit check even. Co-op one is called a Cashbuilder account - I've found them superb, but you must bear in mind it's a last chance at a bank account and you need to manage it carefully.

[seduraed]

Re: loopies

the very last chance i a post offcie card account . no debit card just the ability to get cashat the PO.

[Amethyst]

Re: loopies

You can't have anything other than benefits paid to a post office card account afaik.

How about your local credit union ?

I got a Lloyds Basic account - my credit score was under 200 when I got it.

[Nibbler]

Re: loopies

As said, the Co-op is good. Cashminder, not cash builder BTW.

Also the Barclays Cash Card account.

Both of the above ^^^^^ can be opened by someone who is currently bankrupt, so pretty much everyone should be able to get one of those.

Or of course any of the other "basic" accounts.

See: http://www.moneymadeclear.org.uk/pdfs/bank_accounts.pdf

Most (should be all) of those don't require credit checks. They do require ID, electoral roll, anti money laundering/fraud checks etc...., but your credit history itself shouldn't stop you getting them. In theory, anyway.........