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Bad Credit
UK Credit Repair - Bad Credit Guide
Bad Credit in the UK
Some banks may turn you down if you have been bankrupt or have had many CCJ's, but most of the major high street banks have suggested that individuals over 18 will qualify for a standard bank account even with a high degree of bad credit. As for paying off existing loans that are in default, if you have recent bad credit, and cannot afford to make (what might need to be a sizable offer) then you should apply to have the account reopened with a promise to pay monthly, on the basis that the default is changed to an account style payments system. You may find that the interest is waived or at least suspended for a while.
More about Credit, Loans and Bad Credit in the UK
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