Bank account with benefits for someone with poor credit history?

[SC7]

I have had a lot of financial problems in the past (all through my own stupidity) that I'd rather not go into.

I currently have a very basic Lloyds TSB Cash Account. The main thing that annoys me about this is that I can only withdraw cash from a Lloyds machine, which are like rocking horse st.

Another thing is I keep seeing accounts advertised that include benefits such as mobile phone/holiday insurance and AA cover etc. Given that I pay £10 per month for phone insurance plus about £90 per annum for AA cover I thought it would be a good idea to look into changing my account.

However, Lloyds don't want to know because of my credit history - which I don't really understand since they're not actually giving me credit for anything that I'm not allowed elsewhere.

Can anyone recommend a bank or building society that might overlook my history and give me a decent account with a few benefits for a monthly fee?

A joint account with my fiancée is an option, but not if my bad name is going to hinder her in any way.

TIA

[Nom de ploom]

co-op cashminder account.

no cheque book and no overdraft but acts like a debit / credit card and cash mashines no problems.

hth

[SC7]

Nom de ploom said:

co-op cashminder account.

no cheque book and no overdraft but acts like a debit / credit card and cash mashines no problems.

hth

Thanks. Is there a monthly fee? Any benefits such as insurance?

[SC7]

Er, anyone?

[thecrow]

Natwest have a 'step' account which is free unless you choose to add insurance etc. Normal debit card and direct debit / standing order facilities.

Don't risk joint accounts as although in theory you're not financially linked unless you have an overdraft, that doesn't appear to always end up being the case.