If you're thinking of applying for a new credit card, be it your first ever application or your first for a few years since the darker days when you may have had a default registered against you (with the Credit Reference Agencies (CRA's), then it's always best to consider asking your main bank first. Unlike applying with a sub-prime lender, such as Capital One, Vanquis, Barclaycard etc, by applying to your bank you may be surprised to learn that they may well accept you. Of course there are n...

Hi,

This will probably be a long post as I want to be as informative as possible.

If anyone could help that would be great.

My first ever bank account was with Halifax which my mum set up for me however in December 2011 I switched my account to Lloyds TSB because...

MBNA Credit Card
Date commenced: Approx. 2009
Approx Balance £2940
Date last paid April 2016
Defaulted May 2016
Account owner MBNA

Requested CCA and they supplied a signed agreement showing that the card was taken out in 2009.

Hi,

I'm new to forums but was looking for some help and advice.

I applied for a mortgage about 12 months ago, as part of the application I falsified my documents to inflate my income. To cut a long story short I now have a CIFAS marker against my name for application fraud...

Post Office to offer current accounts

This is a duplicate of the Blog Entry made on 11th April 2013 18:50.

The Post Office is to offer current accounts in the UK, following a regulator's claim that the market offers little choice for consumers. The new...

Click...

Basic bank account concern from Consumer Focus

This is a duplicate of the Blog Entry made on 2nd November 2012 18:58.

A watchdog has claimed that "dark clouds" are gathering for the future of simple bank accounts designed for vulnerable and low-income customers.......

definatley NOT good news (if correct)

Co-op bank account OK for crims but bans bankrupts | The Sun |News|Sun City

i've attempted to speak to someone this morning to clarify if it's indeed correct they say it is but seems a little vague if this is just new account applications...

Hello everyone, I was referred here bya member of MoneySavingExpert as they said people here might be able to help me.

Basically I've been having some ongoing issues obtaining a basic bank account. I'm in about 5,000-6,000 worth of debt through Pay Day Loan companies, bank overdrafts...

Hello everyone, I was referred here bya member of MoneySavingExpert as they said people here might be able to help me.

Basically I've been having some ongoing issues obtaining a basic bank account. I'm in about 5,000-6,000 worth of debt through Pay Day Loan companies, bank overdrafts...

Lloyds TSB and RBS under fire for cash machine restrictions on 'vulnerable' customers

This is a duplicate of the Blog Entry made on 31st August 2012 10:49.

Lloyds TSB and RBS have been rebuked by MPs for penalising basic bank account holders - often financially vulnerable...

hey everyone,

I'm currently looking for a new basic bank account. I don't have a very good credit score so I need a bank where they don't do credit checks. So far I've found an account on the website of eccount money where they don't check your score. But I still wanted to search for alternatives...

With immediate effect (from September 17, 2012) the Co-operative bank is no longer accepting new customers who are un-discharged bankrupts, this decision does not affect the bank's existing customers.

------ > The Co-operative Banking Group - News 2012


Since the...

Wonder if anyone can answer this:

Normally when you make a debit card payment online, although the money doesn't go out of your account immediately, it is normally 'set aside' by the bank/ building society and taken from your available balance whilst they await the company to come forward...

We joined the Halifax and had our benefits paid into a basic bank account.
A lady said because we were getting over a grand a month it would be better to open a currant account.
So we opened a currant account and also got an overdraft.
We got into difficulties and defaulted on our...