Fee free bank accounts
Banks and Building societies in the UK offer basic bank accounts which will not charge a fee for missed payments.
These accounts are available to anyone who does not already have a bank account or is ineligible for a standard current account or can’t use their existing account because of financial problems.
Bank/Building Society Account Name Barclays Barclays Basic Current Account Santander Basic Current Account NatWest Foundation Account Ulster Bank Foundation Account RBS (England and Wales) Foundation Account HSBC Basic Bank Account Nationwide FlexBasic Co-operative Bank Cashminder Lloyds/ Halifax/ Bank of Scotland Basic Account TSB Cash Account Yorkshire and Clydesdale Banks Ready Cash Account
Contact your local bank in order to make a application for a basic bank account
- Budget Spreadsheet
This budget spreadsheet template is the perfect tool if you want to start a budget to keep track of your money.
- Creditor Letter Template
Use our sample letter to write to your creditors and review token payments if your financial circumstances have changed and you are unable to make your regular contractual payments.
StepChange – free debt advice and debt management help
The Money Advice Service – free and impartial money advice, set up by government
National Debt Line – free debt advice and support, with resources for budgeting and creditor letter templates