Major Help needed!!!

[jdonaldson]

Sorry to post anothre new thread on this but am really worried now..

 

Have papers lodged aainst nationwide, and so they will close my account once I get my money bac.

 

I don't seem to be able to open a new account.

 

I ahve bad credit history and the banks that are already out of the game are Halifax and A & L. Also live in NI so can't get a natwest or many other only mainland accounts.

 

Applied for an Abbey account, got turned down. And have rung most of the others co-op, HSBC etc to see if they credit score basic bank accounts and they sdo, so basically I wouldn't get one.

 

Looks like I may have to cancel my claim against nationwide here as I need an account to pay my wages into which come by cheque so internet banking only isn't really an option. Also need to ahve direct debits and standing orders set up for various things.

 

REALLY would love any advice help or anything right now

 

Have really read anything I can online and here for help and going round in circles with no's all round.

 

Don't want to keep applying for accounts and being told no as going to make credit score even worse (if possible!)

[skbuncks]

Have you tried RBS they do a basic account with no checks. I even managed to get one. Not sure bout you being in NI but worth a try

[jdonaldson]

Trouble is, as a student 10 years ago and after I did the silly thing of getting too many credit cards and getting myself inot a mess. Been paying it all back for last 5 years threough payplan. But if I open an account linked to a credit card I am still paying off they might freeze the account

 

RBS, halifax, BOS, Tesco all on that list...getting there only another year or so to pay a ridiculous amount of money back. But this is what is annoying I am trying my best, actually earn a good wage and can't open even a basic account now..

[skbuncks]

Bank of Ireland basic cash account will only refuse your application if you areUndischarged bankrupt or have a record of fraud. Alos may close your account if a DD is refused 3 tiimes

 

FSA - Consumer Information - Basic bank accounts

[jdonaldson]

My concern about that table which I ahve studied till my eyes ar sore is that it says that next to Abbey too, and why are they doing credit scoring with HSBC and others that I rang if it is only fraud or bankrupcy they are looking for :o/

 

The NI banks ahve a really bad record too.

 

Sorry if I am sounding unpositive but had a bad few days of this!

[skbuncks]

I know how you feel I went through several banks before one would accept my application and that was for a basic cash card account at RBS.

A credit check is not only to score your rating but also turns up any instances of fraud or bankruptcy, therefore they can run a check for the purpose of detecting fraud etc without relying upon your credit score to determine whether you get accepted for an account.

 

Dont know anything bout the bad record of NI banks but in my experience they're all money grabbing w*nkers who are all going straight to hell, IMO.

The key thing for you, much as I hate to say it is to get an account and make sure Nothing bounces, at least until you get your credit rating sorted out so if tht means going with an NI bank then that may be what you have to do. Still im by no means an expert and preach far better than I practice so am sure someone else may have better advise

 

skb

[jdonaldson]

lol...yes you are right, I know I need to actually be good with my banking! Might head down to bank of Ireland here and see how much they can embarress me by saying no