Bank accounts for Bankrupts - Discussion Thread

Kj123_2

Just this afternoon been to Barclays to try and open an account.

The lady said that their cash card account can not be opened in the branch and gave me a booklet and form to fill in. She did photocopy and authenticate my drivers license and passport so I don't have to post the originals.

Just thought I'd post this, as I wasn't aware that you couldn't open the account in the branch.

alafraise

Having problems getting a bank account

Became BR 21st May 07

Been to - (all basic accounts applied for)

Barclays, filled out form, refused Equifax
Nationwide, refused due to BR
Abbey, Refused
Natwest, was creditor
Yorkshire Bank, no BR allowed
HSBC (the most helpfull, no looking down noses at me lol), refused experian

Lady at HSBC was quite bewildered with this as she had other BR customers and spoke to the manager re the decision.

They wondered if the credit ppl hadn't updated there systems of if the level of debt could be the problem
She is going to try the appication again in a month (see if anything has changed)

What should Experian and Equifax have on there records after BR?
Starting to think I wont get a bank account untill i'm discharged

There is no Coop near me

Any advice would be grate
My dad is startng to thimk my wages are his

Bit of background

37K dept
One joint loan with ex, rest cc all mine
Work F/T
Have 1 daughter

Elp !!!!!

tigerfeet2006

You can apply for the Co-op one over the phone. It's quite a simple procedure. It's quite good because you can deposit money in it at the post office

severe36

what's stopping me opening a [co-op] account today and then telling the OR about it on tuesday after I've been made br?

wherediditallgo

severe36 wrote: »

what's stopping me opening a [co-op] account today and then telling the OR about it on tuesday after I've been made br?

Nothing. Remember though that the OR will inform all existing bank/building societies that you're BR. While some will allow you to keep the account open, some are hit by admin glitches (left hand not knowing what right hand is doing) and accounts get frozen. They then don't get opened again for a good few days, certainly not before the organisation has received a letter from the OR saying he has no objection to you using the account. If you're going BR on Tuesday, it would make more sense to me to leave opening the account until after your court hearing to save yourself possible aggravation in the future.

wherediditallgo

Please can everyone remember to post their queries about bank accounts as a new thread, & not in this sticky. Apart from the fact that this sticky is just meant for accounts we know are suitable for bankrupts rather than discussion about accounts, your query is likely to be looked at more quickly & by more people if you give it an appropriate title in a new thread. You can find the "New Thread" button at the top of the forum page, on the left-hand side - it's just under the "Main Site" button on the page here. Thanks.

soapboxfury

Nationwide no longer accept BR's and Fartly's refused also
Never had any probs with Co Op

Bea1_2

Good morning

I will be submitting my bankruptsy forms in about a weeks time.

Can I contact the Co-op bank now to get the ball rolling on opening an cashminder account, or must I wait until the Receiver says I can?

Any advice most welcome. Thanks

Bea1_2

wherediditallgo, Ooops, sorry I posted before I saw your post 30.

pistonbroke

soapboxfury wrote: »

Nationwide no longer accept BR's and Fartly's refused also
Never had any probs with Co Op

Glad we got ours after BR in May then :j