"I am very pleased and..I have already introduced your business to many of my friends" Mr A, London

"I will have no hesitation in recommending your services in the future, I can't thank you enough" Mr R, Merseyside

"I phoned [the bank] and they said I had been accepted ... Thank you" Mr B, Kent

Copies on file at our offices for inspection by Trading Standards officers/Advertising Standards Authority

Do you think your past or present financial problems or bad credit history stops you from enjoying what some people take for granted? Such as bank accounts for you or your business, car credit or contract hire for cars or commercial vehicles, Offshore banking for complete discretion, mortgages, remortgages and secured loans to consolidate your debt or make a major purchase, or even commercial finance for your business or mortgages for buy-to-let or property investment?

Often bank accounts, for personal or business use, are the facilities that are most difficult to obtain if your credit history is poor. Bad credit (also known as adverse credit) frequently prevents people from access to bank accounts even when they have been able to obtain vehicle finance, credit cards and mortgages. And simply applying for bank accounts randomly in the hope you will be accepted can further damage your already poor credit record.

We are experts in obtaining bank accounts for customers with poor credit history. We can provide direct access for you to the most suitable banks and accounts for your needs, for personal and business purposes no matter what your adverse credit history. We arrange the introduction or provide you with the necessary information and you deal directly with the bank themselves. Simple, straightforward and effective.

On most accounts we also offer our money-back guarantee so that in the unlikely event that you are rejected, we will offer an alternative account or refund your fee in full. We only conduct business in accordance with our terms and conditions available on this site or from us by email or post on request.

If you'd like us to call you to answer any questions or discuss your needs, use the form below:

Enigma FSM t/a Less Than Perfect.co.uk, Metro House, 14-17 Metropolitan Business Park, Preston New Road, Blackpool, Lancashire FY3 9LT Tel 0330 555 1230 (sales) 8.30am-6.30pm Monday to Friday (voicemail at all other times), Fax 0330 555 1231, click here for email contact.

Enigma FSM and Less Than Perfect.co.uk are Trade Marks of Enigma Financial Services Marketing, part of the Enigma Group, established 1999. Website Copyright and Database rights reserved by Enigma Financial Services Marketing 2005, 2006, 2007, 2008, 2009, 2010. All rights reserved. Trademarks remain property of their respective owners.

Accounts and services subject to continued availability and may be withdrawn or substituted without prior notice. We are not responsible for delays on the part of the customer or bank. The law requires all financial institutions to verify the identity of new customers. To open an account or take out a contract or agreement, you must be able to prove your identity and address and not be on the CIFAS database with anything other than a protective registration. See Terms and Conditions for further information. Nothing contained herein constitutes an offer of credit or facility. Contract hire subject to contract, deposit and availability.

Legal Notice: Less Than Perfect.co.uk, Less Than Perfect and Enigma FSM are trading styles of Enigma Financial Services Marketing. For business regulated by the Financial Services Authority, Enigma Financial Services Marketing is an agent only for CS Company Services who are Introducers only to CIFS Limited, an Appointed Representative of The Mortgage Times Group Limited, which is authorised and regulated by the financial Services Authority.  The Mortgage Times Group Limited is entered on the Financial Services Authority register (www.fsa.gov.uk/register/) under reference 303007. In these cases we do not provide any advice. Business Names Act 1985 Mr F K Oates t/a Enigma Financial Services Marketing.

Terms and Conditions apply to all orders. All orders subject to acceptance. E&OE. For more information see Terms and Conditions.