joanne
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yeah but i think it would have to be just a basic account tho |
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charterman
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In the UK, you can get a basic bank account. Some are better than others. I would recommend the following because you get a debit card to pay for goods in the shops and get cash back.
They are: Co-op, Natwest, Yorkshire Bank and Halifax. |
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honeybear
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As long as you have some money to put into it any bank will give you a savings or checking account. |
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claimbankchargesback
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The answer to this is yes you can. However, it will be a basic account and you won't be able to have any sources of credit such as a cheque book or switch card (you can actually go overdrawn on a switch card).
Natwest are generally very good at accepting people in your situation, ask for a step account. You`ll get the bank account, a solo card and online banking. |
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Ellie
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Nat west do a step account- they will probably help- also SMILE online. Lots will do a step account though. See www.moneysavingexpert.co.uk- he will give good advice on what you need to know. |
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lastofthewonderfullpeople
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you'll be lucky... getting bank account is almost as hard as trying to get mortgage.... i swear sometimes banks think they god !!!! |
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alatoruk
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you can, but the are not going to give you credit - an overdraft or, strange as it seems, a visa debit card (this is because it uses the same "credit payment" system as a credit card). |
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DemonSlayer06
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it does not matter if you have had bad credit all your life you can open as many banking accounts as you want they dont care if you have bad credit are not but some banks will asks for money to open account since it is a new acount some times 100-200 are even 250 to open one so good luck to you |
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GQ BOB BARKER
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the bank does not care about your credit rating when you are putting in your money. its zero risk for them. |
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misssyweb
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you can with the halifax,its called the easycash account.you get a visa electron card but no cheque book or overdraft facility.or you can open a basic savings account with most banks but some of them dont allow direct debits so check first. |
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vars26
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You should be able to however you probably won't get an overdraft initially. |
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redmuppetrock
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yes you can,although the down side is you will most likely only get a cash card account for a while,the cab can give you alist of banks that touch people with bad credit.i know woolwich and natwest do,hsbc and halifax are difficult, good luck |
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Coco v
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Hi if u r in UK try Halifax easycash account. You can apply online or go to a branch. This is a basic bank account with no credit facilities. You get a visa electron debit card, can set up direct debits and use telephone and internet banking. |
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FaZizzle
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MOST banks won't give a hoot about your credit rating. There may be different protections set for you in case that you use more money than you though.
Ask around to different banks--best advice I can give you. |
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mcmufin
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Yes. You credit rating is used to determine how much money lenders are willing to loan to you. Bank accounts are used to store money you already have. Opening a new account could help you credite rating. |
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sarahds007
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Yes but the have a system where they can see if you have bounced checks with other companies. If you have abused a previous checking account, that may break the deal. In my area, the system is called chex hit. |
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Sonny Walkman
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Possibly - but you will be very resticted as to the facilities they will offer you |
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arr_16
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Yes just watch some day time TV. They've got many adverts for those.
They usually start "Do you have a poor credit rating?..." |
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what's the point
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The only thing that would keep you from opening a bank account would be if you are in check systems.
Check systems is a database that the banks have of people that have written an excessive amount of checks that could not be covered by money in their bank account.
BUT even if you are in check systems there are some banks that will still give you a chance to open an account but will put you on probation for at least the 1st year. Meaning, if you bounce even one check with them, they will close your account. |
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joeanne.t21@btinternet.com
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well it depends how bad. i can't |
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