You may have difficulties opening a bank account if you do not have a passport or a driving licence. Different banks will accept different forms of identification. You will need to check with the bank to find out which other forms of identification they will accept. You may have to try several different banks until you find one who will accept the identification you have. If you have problems opening a bank account please visit the Money Advice Service website or contact the Financial Ombudsman.

All high street banks offer a basic bank account which you should be able to open even if you have a poor credit history.

If you would prefer not to do this, there are some alternatives:

• The Post Office card account allows you to receive state benefit and pension payments. You cannot pay in wages or pay any direct debits or standing orders
• A few building societies offer instant access savings accounts which are suitable to use as basic bank accounts. For more information, contact the Building Societies Association
• Some credit unions offer current accounts. Availability is limited to where you live or certain jobs. Contact the Association of British Credit Unions Limited for more information

If you have an unsecured debt with a bank, like a credit card or personal loan, and have missed payments the bank can take the payments you have missed out of your bank account. This is called the right of offset. If your bank is taking money out of your account please call us and speak to one of our advisors.

First find out why your bank is charging you. Are you going over your overdraft limit or is there not enough money to cover your direct debits? The amount the bank can charge you for this will be in the terms and conditions of your bank account. Speak to your bank about the situation. If you cannot come to an arrangement with your bank please call our helpline. One of our specialist advisors will be able to help you deal with the problems you are having with your bank account.