If you've had financial difficulties before, you're not alone. A surprising number of people struggle financially at some point in their life, and were not just talking about going into an overdraft. Many people fall into the trap of high levels of credit card debt, so their credit rating gets adversely affected and this damages their future ability to borrow. If you've had problems in the past, a number of banks simply wont accept you based on your history. However, some will talk to you because they understand that sometimes these difficulties are unavoidable.

These banks are much more understanding, but will also understand the risk they are taking on by letting you bank with them, therefore there will often be higher charges and lower interest rates than if you were banking with a high street bank.

For more info see
http://ukcreditsecrets.co.uk/blog/category/bad-credit-bank-accounts/

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