We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Old bank account resurfacing!
whiskydry
Posts: 72 Forumite
Hi everyone!
I used to post here when I was going through my bankruptcy in 2007, and wouldn't have got through it without you! But I can't remember my username from back then, so have come back as me!
I got a bit of a surprise through my letter box this morning, in the form of a Halifax bank statement. I was very confused, and then remembered that I did, long long ago, used to bank with them and clearly I never actually closed the account. The statement period is May 2005 onwards and is of course blank, apart from apparently I am 2p in debt to them
They don't appear to be worried about that though, because apparently I have an authorised overdraft facility of £650 :eek:
Anyway, what I'm thinking is this... it would be kind of nice to have an ordinary proper bank account, and look, apparently I have one! And although I don't want the £650 debt, I do wonder whether if I dip into it from time to time and then pay it straight off, it would help with the credit file clean up? But if I get in touch and ask them for a new card, will they wake up and ask questions, maybe even credit check me? I don't really want to draw attention to myself and get a rejection, it's bad for the soul!
I used to post here when I was going through my bankruptcy in 2007, and wouldn't have got through it without you! But I can't remember my username from back then, so have come back as me!
I got a bit of a surprise through my letter box this morning, in the form of a Halifax bank statement. I was very confused, and then remembered that I did, long long ago, used to bank with them and clearly I never actually closed the account. The statement period is May 2005 onwards and is of course blank, apart from apparently I am 2p in debt to them
They don't appear to be worried about that though, because apparently I have an authorised overdraft facility of £650 :eek:Anyway, what I'm thinking is this... it would be kind of nice to have an ordinary proper bank account, and look, apparently I have one! And although I don't want the £650 debt, I do wonder whether if I dip into it from time to time and then pay it straight off, it would help with the credit file clean up? But if I get in touch and ask them for a new card, will they wake up and ask questions, maybe even credit check me? I don't really want to draw attention to myself and get a rejection, it's bad for the soul!
0
Comments
-
what ideally you need to do first is try & contact your OR who dealt with your case...IF they showed NO interest in the account then I cant see the problem myself...wether the bank lets you keep it is a different story..We all die. The goal isn't to live forever, the goal is to create something that will0
-
OK it wouldn't even have occured to me to speak to the OR about it.
Now I'm thinking I'll just carry on forgetting it existed because I have irrational fears that it isn't all over after all, and if I speak to the OR it will in some way come back to haunt me.
Probably for the best.0 -
Be careful with Halifax - they have a strict no BR rule.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards