Finding a new bank with a CCJ

[southernsoftee]

Hi guys,

 

A mate of mine has a CCJ, and is having problems getting a bank account. I advised her to go to Natwest, which is who gave me an account when I had huge debts before I went Bankrupt, but they declined her.

 

Does anyone have any suggestions of banks she can try?

 

Thanks,

 

Lisa

[cerberusalert]

He is entitled to open a basic bank a/c with no credit facilities & will be provided with a DD card etc, all banks should offer a basic a/c but unfortunately 'front line' staff in the branches are not all aware of this. He would probably find it easier to apply 'online' with somewhere like the Cooperative & Natwest although a branch may have declined..

[southernsoftee]

Interesting you should say that, because I wanted to change my basic account recently, and applied online with Lloyds TSB but they declined me.

 

I've sent your message onto her and am waiting to see what she says.

[cerberusalert]

Most banks check your credit rating now if you want more than a basic a/c.

[cerberusalert]

She should have a read of this site; Bankruptcy bank accounts - Piggy Bankrupt

[vtrn]

I have two CCJS and about forty creditors so you can imagine my credit file is shot to hell! I rang up the Co-Operative Bank last week because it is the only bank to whom I do not owe any money and I wanted to ringfence my income.

 

I asked the guy on the phone for a Cashminder Accound, comes with a Visa debit card and you can withdraw up to £250 a day from any machine, as well as internet banking. They gave me a reference number and I went with it into a branch, handed them my passport and the account was open within a week.

 

So I thoroughly recommend them.