Cannot Open a Basic Bank Account

[Daniel182]

Hello

 

I would be extremely grateful for any help or advice for this problem below.

 

The person in question cannot open a basic bank account. He has tried every bank and building society on the high st, in a possible radius and online. He has even tried the Barclays Cash Card and the Co-op Cash Minder. http://www.moneysavingexpert.com/banking/basic-bank-accounts

 

Both Barclays and Co-op have said that as long as you have the required proof of address and ID, you'll be able to get a basic bank account. Went there, tried, no look at all.

 

Still he cannot get a basic bank account to have his wages paid into. I would like to ask members is there anything else that can be done?

 

Thanks for your time.

 

Dan

[ukaviator]

Hello Dan

 

You can be refused a basic bank account if a credit reference check shows that you have previous bad debts of more than £500, or an outstanding court judgment against you. Any CCJ's etc? If you've a history of criminal convictions for fraud you may be turned down.

 

Another possibilty is a credit union.

[edjama]

The very Basic Accounts Don't Carry Credit Checks. What Was Reason For Refusal?

[silverfox1961]

I think the credit union idea is a good one BUT

 

Not every credit union offer the service. the best way to find out is to see here:-

 

http://www.abcul.org/about/productsservices/cuca

[ukaviator]

The very Basic Accounts Don't Carry Credit Checks. What Was Reason For Refusal?

 

 

 

Some of these accounts will still require a credit check to be carried out, and if you have a criminal conviction for fraud or are an undischarged bankrupt, you're very likely to be turned away.

[sillygirl1]

Has he tried Metrobank, you can go online and see if they will accept him - http://www.metrobankonline.co.uk they do a basic bank account

[renegadeimp]

Coop bank. They accept pretty much anyone unless you have a history of fraud

[maroondevo52]

Coop bank. They accept pretty much anyone unless you have a history of fraud

 

Looks like op's friend got a 'knock back' from them.

[Mr.P]

Post Office Current Account - Current accounts are provided by Bank of Ireland UK and should be available to anyone.

[nohope]

Halifax basic account. You can apply online and its rare they ever say no.

[renegadeimp]

If they got knocked back for a coop account, then there must be more to the story than we are being told.

[Daniel182]

Hello

 

Thanks to everyone that replied.

 

When i was SC60 self employed in my younger days, if i had any problems i use to go and see an employee at my local Inland Revenue office. The problem was sorted.

 

Would it be ok for the person in question to do this?

 

Thanks

[maroondevo52]

 

Would it be ok for the person in question to do this?

 

 

Can't see how an employee at the Inland Revenue could help.