Not sure if this the correct section
but hopefully helps someone,
I am starting a dispute with both RBOS and Halifax for charges,
I went to my local clydesdale bank and explained to them
I needed a bank account, I know the staff in there and told them the
truth why I needed a new bank account, and told them I also had adverse credit.
The bank manager told me to apply with clydesdale bank for a basic account, the result would be that I would have a switch card and NO credit check would be done. although there would be no overdraft on the account.
hopefully this information is true, and can help others whom feel they cant open a new account.
z