Thinkbanking
Thinkbanking.co.uk offer a great "bank account for everyone". it's a managed account, so you actually have two accounts.

You are paid into account A. They set aside the money for all your DD's, standing orders etc. that you tell them about in advance, and then transfer the rest to your Maestro debit card (account B). They charge a £12 a month fee BUT, you CANNOT go overdrawn. Also, if a DD or Standing Order does bounce, there is no charge.

And they will send you your balance by text which personally, I think is pretty handy.
(MightyX5 living on a small island on, Mon 20 Jul 2009, 14:43, 1 reply)

Bear with me guys, this gets complicated
First of all, thank you all for your help, in response, I have had no contact with the bank since 2003 and they have had no address for me for the same amount of time, I have only just gone the electoral roll and I have just gotten a passport to get a bank account sorted out but when I went to HSBC and tried to get a student account the guy tried to sell me a credit card "for emergencies" I then spent the next 10 minutes trying to convince him that my fella has a good job and that I didn't want the card.
He was a big lad so I finally gave up as he wouldn't drop it, so the check goes through and what a suprise, I am turned down due to my credit rating! I asked if I could have a normal account and was told that because I was a student, I couldn't have a normal one.
So I went to Abbey and did the 20 mins of detail giving etc and was told that it had to go to the credit provers and I would get notice in 2-3 working days. That was back in march, I'm still waiting.

When I worked for the agencies I used to get paid weekely to my fellas account, when I became a student last sept I needed to open an account, for this I needed a passport as my id, which I didn't have.
My passport took 5 months to get as I was born after dec 83 so I needed my mothers birth cert, this was a problem as she committed suicide 3 years ago and in the confusion of being made homeless by the council as I lived with her but I wasn't on the rent book my aunt kept all her documents and said if I needed them then I could have them back anytime.
So fast forward 3 years and I need the birth cert, I phone my nan, she said that my aunt (who I didn't have a number for) said that I couldn't have it as I was "trying to scam someone!" I also had to endure a scathing attack from a cousin that I've not seen for years which resulted in me getting so angry that I smashed up my kitchen and fractured my wrist smashing it against my desk so that I had to wear a splint for a few weeks and missed an important exam. So I had to pay for one as trying to explain about the passport form I still wasn't allowed it. I even said that they could have it back when the passport office were done - no joy.

all this time I've still had no money for the student finance people who have told me over and over again that if I can't get an account then they would send me a cheque.
So I exhaust the local banks I've been turned down for all, so I call the student finance and I'm told "we don't do cheques anymore" at this point I've been borrowing money from my fella to live on and he had been paying for our rent and bills for 4 months. I suggest putting the money into my dads account, I'm told that could work, get him to send us a letter stating that I was allowed to use his account and a recent bank statement along with a letter with my details, great you think, but I live in liverpool and my dads in essex so it takes a few days for his stuff to get to me and then I sent it on, so another week goes past before I get a letter with the statement back thanking for the recent letter and that it would be noted on myfile. So I call them and I'm told that I shouldn't have been told that as they don't do anything like that, so that's another 2 weeks wasted.

As you can imagine at this point I'm pretty fed up, so I manage to get this investment account with ns and i (who quite oddly are great) and they set everything up I call the student finance and give them my details, now this is 6 months since I became a student so I've missed all the payment dates so I should get the full amount in one go - over £6000. Great, but I owed £1300 to my fella for helping me to eat and have a roof over my head. So I give them all my detials, and I'm told that it will be 4 days till the money is in (this is on a monday, so thursday) thursday rolls around and I send off the form I need to withdraw the money, I get a letter back from ns and i saying that I can withdraw £20 from my account, the amount I used to open it.
So I call ns and i, and a lovely woman took my details and went through the bacs system to trace the payment and called me back within 10 mins to tell me that the payment had gone in but they had sent it back and the sort code was incorrect. I ask what it is and they have put some ramdon number in there. So I thank her and call the student people, waited 45 mins to get through and when I told them all the guff with ns and i the "helpful qualifed advisor" asked me if I thought that he should swap the numbers round!! I replied withe a what do you mean you have no idea? WHY THE HELL AM I TALKING TO YOU IF YOU HAVE NO IDEA WHAT IS GOING ON?? I think I swore at that point a bit too.
So he assures me its sorted and the money will be in 4 days, so we're back to waiting, it's not 6 1/2 months, I wait the 4 days, and I call ns and i, without waiting 5 minutes, the lovely lady said that the payment had come in...and gone again, student finance had completly ignored me and put a different number in.

So she promises to sort it and will phone me back in 10 mins, I in the meantime, call the student people and start giving them hell, the phone twat doesn't know what's gone wrong blah blah, mutters something about how it's ns and i's fault for not accepting the payment, at this point ns and i call me back so I tell her what the guy said and she gives me instructions to give to the monkey so I was sitting with a mobile phone on one ear and the home phone on the other.
I'm assured this time it will all work, just got to wait 4 days etc etc. So I wait, and what a suprise, it goes wrong again, this time I didn't even need to call ns and i, they called me! So I get on the phone, wait 30 mins to speak to someone and I finally lose it, I'm screaming and shouting and inthe end I burst into tears stating that I was going to be evicted and thrown out of uni as they haven't given me any money for 7 months.
The woman on the other end sounded very sorry for me and promised that she would sort it and would call me in an hour. So I wait thinking that I'll have to give up uni and go back to work. She calls me back and says that one of the admin team was dealing with a different account with ns and i and that it was all sorted.
She also apologised, the first person in 7 months to actually say sorry for all the trouble this has caused.
So I'd really like a normal bank account now. How I didn't have a nervous breakdown in all of this I do not know. We are due to move at the end of this month and I am going on the contract with my fellas mum being the guarantor, thankfully. My own sister won't cover me as she thinks that I will run off and not pay, she doesn't seem to realise that I would pay as I need somewhere to live. It's alright for her, she owns her house and is on £38k a year with a bmw 1 series company car.
I did finally get all the money and I gave my fella £1300 and said "thank you for helping me to live the last 7 months" I also gave him 6 months rent as I'm not going to see any more money till nov now. Ghayers.

So I am not going to contact barclays incase it's not been 6 years and also I don't want to be dragged to court. If I was I would love to see their faces as I am a student with no income or assets so they would have nothing to take from me. They can't take what dignity I have left. It's a shame that my pride's already buggered off with my sanity.
Although I suppose if you don't laugh you'd cry

WWWWWHHHHHHHAAAAA HHHHHHAAAA HAHAHAHAHAHAHAHAHAHAH etc etc
(Soaps Roller derbying your way since, Mon 20 Jul 2009, 17:39, closed)