Greetings all!
This is a new section called Commander Viviaxs Random Advice!
Every so often I am going to put things that are good to know. It could be anything. Fun, serious, anything!
So, Today's Random Advice is
Bad Credit Banking
Always have a savings account or basic account with a building society.
It doesn't matter if it never happens. But you always need a account for if your credit rating drops suddenly.
Lots of things can cause it.
Get a cashbook saver from a Building Society.
BUILDING SOCIETY! Not bank!
Building Societies have less rules and don't care if you never put any more in.
Skipton Building Society is the best. They helped me.
Their Cashbook Saver works with BACs and transfers, etc.
It does not do direct debits out but it takes wages.
And quite frankly. If your credit took a nosedive you're probabely going to be paying bills by paper or other ways anyway.
Nationwide have a awesome basic bank account for bad credit. I had one till I upgraded. Bad credit is how you get it. And it's all there were it matters. Card, contactless, online banking, card reader. Plus no fees for bounced charges. And most importantly. They don't care if you pay in beyond the startup.
And don't get snotty about Building Societies.
They are the best. Some people I said to about getting a Building Society Saver got all snotty. Stupid to be so snobbish.
And you will need a bad credit option if you suddenly get bad credit and lose your bank account.
Because bankrupts don't get bank accounts. And guess what happens when a bankrupt loses their bank account? They have to find a new place to bank. And no. A gimmick account con that you pay money in to not get charged isn't the answer.
Your best option is a Building Society.
And if you haven't got one? Well you're going to have to get your in transit because my bank account got shut down self to a Building Society ASAP.
A Building Society savings account helps get you in the system. Its ID.
Its backup incase things go bad.
Because you can't lose it with sudden bad credit.
And it has interest, so you just leave money there, and it it can grow.
You've got the Nationwide Building Society basic account for direct debits etc.
Get both!
I only got my NBS account to pay Union fees.
Till then I did fine with just my saver.
And if you think It will not happen to me! I won't lose my bank account!
Yes. You most definitely can.
And don't rely on a partner to have a joint account with you.
They might go too.
You might not be able to have the joint account.
And don't for a second believe that bull that the insolvency service or others might say about you won't lose your account.
They don't even mention losing you bank account if you get a IVA or bankruptcy, etc.
But you very much do lose it.
And 'I don't have a bank account' is not a excuse.
It is not a acceptable state to be in.
You must have SOMETHING!
Always always always have a building society cashbook saver!
Any problems with some kinds of payment can be dealt with or you use your ID of the cashbook saver to get a bad credit bank account.
And don't bother with banks.
Building Societies are much less strict, way less picky, and require much less ID, etc.
Cashbook savers work for all people.
Benefits, wages, etc go in them. You can withdraw cash or transfer it.
ALWAYS have a cashbook saver for if things go bad.
If they never do, good.
Then it's a good insurance policy that has interest.
If things do go bad?
Then it's your always there safety net.
If you can, get the Nationwide Basic Account or Flex Account or one of their many awesome products, too.
As with the cashbook saver, its there for times of trouble, and insurance for when you are good.
I am not being paid by the mentioned companies. They are amazing and you need to bank with them.
That's my advice for today!
Till Next Time!
Commander Viviax
This is a new section called Commander Viviaxs Random Advice!
Every so often I am going to put things that are good to know. It could be anything. Fun, serious, anything!
So, Today's Random Advice is
Bad Credit Banking
Always have a savings account or basic account with a building society.
It doesn't matter if it never happens. But you always need a account for if your credit rating drops suddenly.
Lots of things can cause it.
Get a cashbook saver from a Building Society.
BUILDING SOCIETY! Not bank!
Building Societies have less rules and don't care if you never put any more in.
Skipton Building Society is the best. They helped me.
Their Cashbook Saver works with BACs and transfers, etc.
It does not do direct debits out but it takes wages.
And quite frankly. If your credit took a nosedive you're probabely going to be paying bills by paper or other ways anyway.
Nationwide have a awesome basic bank account for bad credit. I had one till I upgraded. Bad credit is how you get it. And it's all there were it matters. Card, contactless, online banking, card reader. Plus no fees for bounced charges. And most importantly. They don't care if you pay in beyond the startup.
And don't get snotty about Building Societies.
They are the best. Some people I said to about getting a Building Society Saver got all snotty. Stupid to be so snobbish.
And you will need a bad credit option if you suddenly get bad credit and lose your bank account.
Because bankrupts don't get bank accounts. And guess what happens when a bankrupt loses their bank account? They have to find a new place to bank. And no. A gimmick account con that you pay money in to not get charged isn't the answer.
Your best option is a Building Society.
And if you haven't got one? Well you're going to have to get your in transit because my bank account got shut down self to a Building Society ASAP.
A Building Society savings account helps get you in the system. Its ID.
Its backup incase things go bad.
Because you can't lose it with sudden bad credit.
And it has interest, so you just leave money there, and it it can grow.
You've got the Nationwide Building Society basic account for direct debits etc.
Get both!
I only got my NBS account to pay Union fees.
Till then I did fine with just my saver.
And if you think It will not happen to me! I won't lose my bank account!
Yes. You most definitely can.
And don't rely on a partner to have a joint account with you.
They might go too.
You might not be able to have the joint account.
And don't for a second believe that bull that the insolvency service or others might say about you won't lose your account.
They don't even mention losing you bank account if you get a IVA or bankruptcy, etc.
But you very much do lose it.
And 'I don't have a bank account' is not a excuse.
It is not a acceptable state to be in.
You must have SOMETHING!
Always always always have a building society cashbook saver!
Any problems with some kinds of payment can be dealt with or you use your ID of the cashbook saver to get a bad credit bank account.
And don't bother with banks.
Building Societies are much less strict, way less picky, and require much less ID, etc.
Cashbook savers work for all people.
Benefits, wages, etc go in them. You can withdraw cash or transfer it.
ALWAYS have a cashbook saver for if things go bad.
If they never do, good.
Then it's a good insurance policy that has interest.
If things do go bad?
Then it's your always there safety net.
If you can, get the Nationwide Basic Account or Flex Account or one of their many awesome products, too.
As with the cashbook saver, its there for times of trouble, and insurance for when you are good.
I am not being paid by the mentioned companies. They are amazing and you need to bank with them.
That's my advice for today!
Till Next Time!
Commander Viviax