Thread: Basic Bank Account Thread

Quote: Originally Posted by themaestro Hi all, need some help. I'm currently with TSB but living in the overdraft and can't afford my credit card repayments. When i was a student i opened accounts with HSBC, Halifax, Natwest and Yorkshire Bank, which puts all those off limits. What i want is just a basic account with a debit card, direct debit and standing order facilities....the problem is i have no photo i.d. Anyone know of an...

thank you!

Quote: Originally Posted by miketoll hi there new to this ite! in dire straits lol! split up from the girlfriend! lost my job! and bank account closed! all due a drink driving effence! lessons can be learnt! however now got a great new flat, my licence back great new job! just got a new car! lifes looking great for once. but now struggling to open a bank account asp! for direct debit for my insurance debits cany one help? how soon is it...

Thank you. I went to the branch last week with my ID so hopefully I should get something this week.

Is it true that Abbey are getting rid of Electron cards from today?! Might have to ring up and say I "lost" the one that goes with my Instant Plus account I have with them and see what turns up! ;-) James

Update on the Yorkshire Bank account. I checked with Credit Expert, after receiving an alert today, and was suprised to see the account reporting to Experian, as a Current Account, with no overdraft. Wasn't aware they did report, so more nice green zero's, which can only be a good thing. Thought this may be another good reason to use them for anyone else interested.

Hi Thanks everyone for your advice, after carefull consideration, hours of searching basic accounts online and a reccomendation from a friend, I opted to go with the CO-OP cashminder account, basically because of the fact that payments can be deposited at the post office, which is really handy for me as I don't have many branches near to where I live. Anyway I applied via telephone today, strange as it was a bank holiday I confirmed that...

Quote: Originally Posted by workinmummy 3_cheeky_princess. I rang the Yorkshire bank, was put through to the branch and made an appointment to go in. You have to open the account in person. Only drawback for me with the Yorkshire bank is that non of the branches in my area seem to be open on a saturday. And i work full-time. If i ever need to go into a branch again, will have to have time off. But will be able to register for phone and...

Quote: Originally Posted by dagsky is it just me or has the banking system gone nuts??After years of not having an account i went to open an acc with firstly A BANK, Natwest.... Told them i want a basic acc, was told ok here's the form put in the post, i said well i want to open my acc here in the branch with someone, sorry you need an appointment and i can only give you 1 next week!!! Anyway off to co-op for basic acc, takes name,...

Actually, not seen any rain YET. It's quite pleasant, but it won't stay that way I'm sure. Bet the horrid weather is on it's way from your part of the county over the moors.