hi, does anyone know how i can open a bank account even though i got bad credit. all i want is a master card or a visa something which i can access my money easily that is attached to my account?

thanks

do a search on this site and then click details and there is a line or two about who the various accounts are aimed at.

billybob:

hi, does anyone know how i can open a bank account even though i got bad credit. all i want is a master card or a visa something which i can access my money easily that is attached to my account?

thanks

Hi im having the same trouble with my bank ,i got into a mess six years ago now , and even though i bank over fourteen hundred pounds a month , my bank nationwide will only  issue me with a cash card , ive got my own house ,credit card , and car loan , all i want is a debit card to spend my money not theirs

What banks are they ?

alliance and leicester were good to me, they have given me a visa, years ago when i was young and stupid lloyds tsb threw money and cheque books and a visa electron at me which all spiraled out of control and for years i had a simple cash card for machines only which is very limiting but now hsbc have given me a card and alliance and leicester love me as i have an overdraft which i do use but i normally carry a credit balanc and reularly pay money in they also gave me a visa as i can only pay out what i have?! good luck

I used a company to open a bank account even though I have bad credit. I got a Gold Account with a cheque book and a VISA debit card (a proper one, not an electron!) with a UK bank and I was really very pleased. My friend did the same and he's got loads of CCJ's and is in an IVA. The company I used was:

www.lessthanperfect.co.uk tel 0870 061 0060

 The account was opened with no problems over the phone and it was very quick. I can't recommend them highly enough. I paid £150, but I see today that its now just £99. I think its a bargain because just applying willy-nilly can damage your credit rating further!

I hope this helps.

Iggy 

I have read a few of your posts on this subject now, and I am a bit concerned.  Although you seem to have been a member since June, it's starting to look as if the only thing you want to do is advertise this company.  Which, if they have helped you, is probably exactly what you want to do so as to share the good fortune.

But, I am a bit dubious, I have to admit.  Why should you, no matter what your credit rating, have to pay to open a bank account.  Which UK bank was convinced to give you an account wwere no-one would without this company's intervention?  What did they have to undertake to do on your behalf to achieve this?

Believe me, as someone at the wrong end, currently, of a big finacial stick, I am not necessarily knocking what you have to say.  i am just concerned that this is a far from above board process.

Can you tell us more about it?  I may need to know one day!

Cat

I have just had a quick look at the website, and they claim to guarantee acceptance.  The only way I can think of that this is possible is by fraudulent means.  They must be hiding the true identity of the applicant in some way, which is very worrying.

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Dave

P.S. I feel obliged to point out, I am speaking from experience and my own personal views above - I am not an advisor, nor an expert.

I beg to differ.

Having been a customer of this company in the past, I had to sign and AGREE that I must not lie in my application. People who lie deserve what they get: prison.

And I think if you look closely that the guarantee extends only to yuor introduction fee money back. It is impossible to guarantee that a bank will accept an application - if someone is suspected of financial fraud, for example.

Please, folks. Let's get the facts right. I hold this company in high regard after they helped me get an account I needed without lying. I recommend them highly. In my view, it was worth a go if I was going to get my money back if it didn't work anyway. However, it did work and my account was opened in less than a week.

I was only trying to help out a couple of posters with details about my own experience. As far as I can see, no one that has actually used the company has anything bad to say.

The website is at www.lessthanperfect.co.uk

Perhaps if you need that type of service, you should give them a look at least...

Iggy

Iggy 

Why do you keep repeating the URL like a mantra.  It's pointless saying the same thing twice on any given thread.  This kind of behaviour is typical of an advertiser; I can't help but wonder if this is actually YOUR business that you are trying to promote. 

Because things are quiet today, I had a little tot up of your posts - 22 different ones initially - hradly just responding to a couple of people, now, eh?  No one has anything bad to say about this company because no-one amongst all our mambers has actually used them, except, allegedly, you! 

I'm trying to explain her why your behaviour on these forums looks dodgy.  It appears - and I am not saying that it is necessarily so - that you have tried to do a quick but of plugging, been clever enough to phrase things so that they fit belwo the mods radar, but cannot avoid coming across as, more than likely, someone with a vested interest in seeing this business succeed.  You keep repeating the URL, get incandescent in the face of reasonable comment and are determined to plug and plug and plug at every opportunity.

So give us some cold hard facts, as I have suggested previously.  How did you find this company?  Which Bank did they set you up with?  How did they do it?  What are their techniques if they are all above board?  Why couldn't one do this for oneself? 

This isn't any kind of tirade but a request for further information.  If you continue to respond by going opff on one, you are digging the hole even deeper.  Have another read of what I have said and answer the questions.  you don't like what I am saying, so win the debate and demonstrate that these guys really are what you have said they are.  The more I read the more worried I get, but, if you can prove my concerns foundless, I will happily apologise; I already have for misunderstanding your meaning as to Gold Account (Credit Card vs Bank). 

Though I remain baffled as to how someone who says they have a Law degree can't spell 'defamation'.

 

Cat

Hi, after reading your comments about www.lessthanperfect.co.uk,I have today applied for one of their gold bank account so I hope I will be successful

Best of luck, but it looks like a scam to me.

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My opinions are just that opinions! Always seek legal and financial advice from a professional :)

Errr Iggy couldn't win the argument by persuasion so invents beefykins to readvertise.Pathetic!!

If I were the moderator I would pull all these all these associated threads which are an abuse of this forum.

I have just phoned the FSA and this company is not regulated by them in terms of the current accounts - and they have just given me the number for trading standards, who I will be phoning on Monday.

I have searched google and cannot find any trace if this company - no recommendations, no mention on any other forum or financial website.

I have just read the T & C's on their website.. they make interesting reading...
 

Still looks dubious to me ...
 

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My opinions are just that opinions! Always seek legal and financial advice from a professional :)

So this is a scam and I have now paid them a hundred pounds which I dont suppose will get back