Answer: -Go to Natwest, and ask for a basic Step current account.This gives you a bank account, and a solo card, but no overdraft or chequebook.Because you can't go into debt with the account, they let pretty much anyone have one. I know people who have got them with defaults and CCJ's on their credit file.Make sure you ask for a current Step account, and not the savings account, as in the savings account you need to keep a minimum balance of Ј50 to keep the account open.The account is very simple to open, you just need to go to the local branch and fill in a form, with a form of id such as a passport, and a couple of utility bills (gas, water, electric etc) as proof of address. -Try abbey national. If you can, register on the electoral role, and then take in proof of your address, and something like a driving license. I did, and i was worried about bad credit too. Do not tell them about the other accounts. -Alliance & Leicester gave me an account despite bad credit. You can ask for a cash card only, meaning you can't use it in shops, only to get cash from a machine... and only if there's money in it!I would visit the bank in person, and explain your situation to them. Explain that you don't want any credit, you just need somewhere to pay your wages into, and to pay bills out of.If you try over the phone, or internet, they just use a routine credit check, and don't take personal circumstance into consideration. If you can, book an appointment to see someone in person, they can then override the system and will be more helpful. I know what it's like when no-one will touch you... Depressing, but there are people out there that will help you.