Thanks seahorse,

I have tried:

Natwest

Lloyds tsb

Rbs

Barclays

Co-op

and a few others that I can't remember.

All say the same thing, credit checks prevent them from opening account.

I don't mean to dampen anyone's spirits but I incurred ccj's and defaults on joint accounts when my husband was made bankrupt. He has been discharged for two years now but none of the banks listed at the beginning of this thread will open basic accounts for either of us.

Just thought I'd let you know that its very frustrating when these banks advertise accounts for people with adverse credit, then refuse to open even a basic account.

Hi everyone,

yes I'm a newbie and may have posted this in the wrong place, but here goes anyway!

We have an interest only mortgage with GE Money (previously IGroup).

Three years ago my husband was made bankrupt and we missed six months mortgage payments. We ended up in court for repossession but agreed to pay £240 per month to clear the arrears of £12,000 along with our usual mortgage payment of £1,100.

We have not missed one payment in the three years but today we received a statement from GE Capital and, can you believe, only about £200 has been paid off the arrears!

I contacted them and was told that interest is constantly charged on the arrears meaning it will never reduce significantly.

They also charge (added to arrears) £40 A MONTH to send a monthly arrears statement. We have asked them not to send this but they say it is in our contract that if we fall into arrears a monthly statement will be sent at a cost of £40. I feel like just giving up the house as we have made ourselves completely broke for three years for nothing.

Does anyone know if we can claim back any of these charges???