nat west bank account

simplez

went bankrupt back in 2006 and was discharged in 2007
i applied for a bank account last month and was turned down by letter.
the letter said that if i can prove i was discharged then they would reconsider my account application.
How do i go about getting proof?
and will it cost me anything?

also would i need to clean up my credit file?

thanks in advance
simplez

fiveyearplan

I would advise cleaning up your credit files in any event.

book12

I would either try the Co-op Cashminder or Barclays Cash Card Account. You have a better chance of getting an account at those two banks, than at Natwest when you are in that situation.

simplez

i want a natwest account as its quicker to get my wages cashed into

simplez

anyone know how i can get proof of discharge??

fiveyearplan

You could write to your OR and see if he'll send you a letter or you could contact the court for a certificate of discharge - I think it costs £65.

philnicandamy

fiveyearplan wrote: »

You could write to your OR and see if he'll send you a letter or you could contact the court for a certificate of discharge - I think it costs £65 although IF in receipt of certain benefits this could be free.

just a little addition

cokdeli

I am a discharged bankrupt, the order was made in March this year and on the 11th September I had early discharge.

Today I went into Nat West as I heard that I could open a STEP account after discharge. They tell me I must be discharged for three years before I can open an account.

Halifax said not a problem but they want the original certificate with the seal but if this costs 65.00 they can forget it. All they have to do is go on the Insolvency Register for free and check me out. So whats that about? Back to square one!

cokdeli

DarkConvict

From another thread, this might help

debtinfo wrote: »

yes this is the link

http://www.insolvency.gov.uk/eiir/

http://forums.moneysavingexpert.com/showthread.html?t=1973391&highlight=discharged

Edit - never mind didn't realise you had a different issue.

cokdeli

Just to let you know. I made a complaint regarding Nat West telling me that I could not open an account (Step) for 3 years after bankruptcy and received a telephone call today to say that this is not correct (I know this!) and I just need to take an original copy of the Discharge and the usual ID.

cokdeli

philnicandamy

cokdeli wrote: »

Just to let you know. I made a complaint regarding Nat West telling me that I could not open an account (Step) for 3 years after bankruptcy and received a telephone call today to say that this is not correct (I know this!) and I just need to take an original copy of the Discharge and the usual ID.

cokdeli

Agreed most definatley NOT correct....I applied for a step account in branch everything processed and suprisingly they authorised a standard account instead...(been discharged nearly 3yrs though)

most banks suffer from almost non exsistant consistency! although if they'd taken me on board they'll take anyone!! :rotfl: