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Full bank account after bankruptcy

sabik
sabik Posts: 10 Forumite
in Bankruptcy & living with it
Hello,

I just wanted to know if anyone actually got a full current account after bankruptcy and if so how long after bankruptcy??

I've been discharged since feb 2006 and after cleaning up my credit file I got a Full current account with lloyds the Classic account, with a Visa card and cheque book.
«1

Comments

  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    2 1/2 years discharged...full Natwest account with O/D chequebook & debit card
    We all die. The goal isn't to live forever, the goal is to create something that will
  • maxmycardagain
    maxmycardagain Posts: 5,853 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    cashcard (not chip/pin, no online) 2 weeks after BR

    Full service (chip/pin card, online banking) 1 week after ED

    didnt have to show a £60 Discharge certificate either.

    Barclays rock! (and i owed barclaycard £8K too.... fair play to em)
  • FinancesOfAFiveYearOld
    FinancesOfAFiveYearOld Posts: 70 Forumite
    edited 4 August 2009 at 8:33PM
    12 days discharged... jam jar with gold-coloured screw-top facility, frayed coin-pocket in jeans and a watery eye.
    At the end of every rainbow is a smug meteorologist with a large prism.
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    savings account.....

    cash_suitcase_1360895c.jpg
    We all die. The goal isn't to live forever, the goal is to create something that will
  • fiveyearplan
    fiveyearplan Posts: 10,145 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    philnicandamy wrote: »
    2 1/2 years discharged...full Natwest account with O/D chequebook & debit card
    Oh Phil - I didn't know you had a chequebook and overdraft facility.;)

    :j :j


  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    fiveyearplan wrote: »
    Oh Phil - I didn't know you had a chequebook and overdraft facility.;)


    Yep....had the account a few weeks now (after an argument with the co-op about various things) :D
    We all die. The goal isn't to live forever, the goal is to create something that will
  • Bosie
    Bosie Posts: 1,218 Forumite
    Part of the Furniture Combo Breaker
    Well I've been discharged well over 5 years and cannot get a ''full'' bank account. RBS/NATWEST ask if you have you been bankrupt and it gets declined, but you maybe able to open a basic account.

    Tried Abbey and LTSB both declined and that was only for a basic!
    So staying with Yorkshire Bank for now as I've got a Maestro card and good internet service. I hope to try HSBC when my files are clean;) They have a branch close by, Yorkshire Bank is miles away from me.
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Problem with natwest they declined me initially...I went into my local branch asking for a basic account...the staff filled all the application by hand & sent off to head office...few days later they rang me to say i'd been approved for the standard acc with O/D & Chequebook....a little shocked & asked them to check again 3 times! happy with the account so far
    We all die. The goal isn't to live forever, the goal is to create something that will
  • Flowerpot_2
    Flowerpot_2 Posts: 690 Forumite
    FinancesOfAFiveYearOld wrote: »
    12 days discharged... jam jar with gold-coloured screw-top facility, frayed coin-pocket in jeans and a watery eye.

    Please don't make me laugh so - I've just eaten my supper & I'll be sick :eek::eek::eek:
    FPx
    BR 2/6/2009 - AD 2/6/2010
    BSC member 273
    :A :D     still not smoking :D :A
    :j
    'Dreams are necessary to life'
  • Bosie
    Bosie Posts: 1,218 Forumite
    Part of the Furniture Combo Breaker
    philnicandamy wrote: »
    2 1/2 years discharged...full Natwest account with O/D chequebook & debit card

    Did you get the dreaded question from the RBS group? have you ever been bankrupt? I was applying about 10 days ago on-line but pulled out of the application. A bank worker on the forum said if you tick yes it gets declined and you could go in the branch for a referral.
    So couldn't be bothered in the end!
This discussion has been closed.
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