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 why carn't i get a bank account? I was discharged Sept 06
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Richard.06
Starting Member



1 Posts

Posted - 26 September 2011 :  19:51:25  Show Profile  Visit Richard.06's Homepage  Reply with Quote
why carn't i get a bank account? I was discharged Sept 09 and have not incurred ant more debt since

debtinfo
forum expert



2826 Posts

Posted - 26 September 2011 :  20:02:43  Show Profile  Reply with Quote
have you tried a basic account from co-op or barclays, or natwest
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Melanie.n
forum expert



United Kingdom
1282 Posts

Posted - 27 September 2011 :  13:18:41  Show Profile  Reply with Quote
Although you have received your discharge, your bankruptcy will still show for 6 years from the date of the bankruptcy on your individual credit file - if your were requesting and ordingary account the credit search would show up the bankrupcy which may then lead to you being declined. You need to request a 'basic account' such as the Nat West 'Step' account or Co-Op 'Cash Minder' account

Hope this helps
Melanie

Melanie Nicholas CertDR
30 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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Propertyguide
Starting Member



United Kingdom
9 Posts

Posted - 29 September 2011 :  22:15:51  Show Profile  Reply with Quote
Hi Melanie has answered the question in the best way - I agree with her advice and reply to your question

The best account (in my view) is the Coop Cashminder

Propertyguide

"There are no problems, only solutions"
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jono
Starting Member



United Kingdom
13 Posts

Posted - 30 September 2011 :  21:16:12  Show Profile  Reply with Quote
At the time of our BR the Coop Cashminder was our saviour!
Got accepted over the phone.




Jono

To know the road ahead, ask those coming back.
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