debit card

betty4

can anyone out help. we are currently banking with nationwide:mad: we opened account with when we came home from court after declaring ourselves bankrupt in july 2005(nationwide knew this) they let have basic account direct debits and cash card only. we notified them of discharge in april 2006. just asked for debit card only, just recieved letter have been declined their is decision final. i phoned them up was told they will never ever upgrade the account. we have 500 a week going through account each week.ALL WE WANT IS A DEBIT CARD, NO CREDIT, OVERDRAFT.any advice??? or are we wasting our time trying to get back on our feet???:mad: :mad: :mad:

bargains83

Unfortunately most banks don't like bankrupt/discharged bankrupts,and only offer these types of customers basic accounts most of these don't include debit cards. However a few banks do offer this facility.

Yorkshire Bank/Clydesdale Bank ReadyCash account comes with a full Maestro Debit card but no chequebook or overdraft.

Co-Op Cashminder account comes with a Visa Electron Debit card but acceptance of Electron is limited when compared with Visa or Maestro.

Nat-West Step account comes with a Solo debit card which again has limited UK acceptance but is accepted as Maestro abroad.

If you really want a debit card then it would seem like your only option is to switch to one of these accounts.

BYould

Try Citibank, I have been discharged for over a year now and recently opened an account with them, I now have a cheque book and Visa debit card (not electron!!). You have to earn £20k per year and the thing that stops alot of people applying is the fact that you have to send them a cheque from your own cheque account for at least a £1. Of course if you only have a basic nationwide account then you won't have a cheque book, to get around this I opened a norwich and peterborough basic account which comes with a cheque book, paid in £1 and then sent it off to Citibank, no problem.

If you have no joy doing that then open a Cooperative Bank Cashminder account which anyone can open this comes with a Visa Electron Card.

Hope this helps.

betty4

thanks nat west would be good but they were our main creditor...DONT THINK THEY WILL WANT US BACK!!!