bad credit or no credit, including bankruptcy or IVA

        CCJ's, defaults or arrears, outstanding loans or overdrafts

        no credit history
 

How can we we offer a money-back guarantee...?
It takes years of experience and in-depth knowledge and understanding of the UK banking and finance systems. That's exactly what we we can offer you the benefit of. Enigma FSM, the experts behind the LessThanPerfect.co.uk website, know precisely which bank, what account and how to apply to ensure you open the account you want and deserve.

No one can absolutely guarantee an account can be opened, and anyone who says otherwise is not telling the full story. All banks are required by law to conduct identification checks and anti-fraud checks. If you cannot prove who you are, or have a history of financial fraud (or suspected fraud), even we can't help!

Fortunately, we have a 100% success rate for eligible customers. Our money-back guarantee is for your added peace of mind.

Need a new bank account? Frustrated by your current bank but can't get a new account? Is your poor credit stopping you from getting the debit card or other account facilities you deserve?

Who can apply...?
Provided you're not suspected of fraud and can prove you are who you say you are, we can offer our money-back guarantee on some of our selection of personal bank accounts with UK High Street Banks and leading financial institutions.

"I'm glad to say [the bank] phoned me yesterday with my new account number... To say I'm pleased in an understatement. I can't thank you enough"

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