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Achieving getting a current account, when discharged?
bradztheman
Posts: 558 Forumite
How easy have you found it to get a current account after bankruptcy?
What banks are likely to accept you?
Do you have to take in a certificate of discharge?
What banks are likely to accept you?
Do you have to take in a certificate of discharge?
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Comments
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bradztheman wrote: »How easy have you found it to get a current account after bankruptcy? VERY difficult..
What banks are likely to accept you? very few..
Do you have to take in a certificate of discharge? its a little hit & miss some will ask for the official court cert (around £65 or so) or some are happy with a letter from the receivers office that dealt with your bankruptcy
I asked co-op & barclays after discharge and then after 6yrs both declined a full account...in the end Nat West Agreed BUT it's no guarantee what one person gets another will
sorry...Not quite a newbie as you think
;) (the member formally known as philnicandamy!)
FINALLY a qualified CAB debt caseworker 2015..:p
BSC 58
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I have a current account with Barclays, I think I got it sorted about 8-10 months ago. I was BR in 2006 and got basic accounts with Barclays and the coop a year or so later so maybe being with them a while helped. I didn't have to provide discharge certs but I have sent copies of mine to all 3 credit agencies who have taken it off my record completely.0
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Hello there,
You should be able to obtain a basic bank account once you are discharged. The vast majority of banks have a basic offering - which are not actually that 'basic'. You'll be able to use direct debits and most give you a debt card of sorts these days.
I hope you find this information useful.
Best wishes,
David @ NDL.We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
National_Debtline wrote: »Hello there,
You should be able to obtain a basic bank account once you are discharged. The vast majority of banks have a basic offering - which are not actually that 'basic'. You'll be able to use direct debits and most give you a debt card of sorts these days.
I hope you find this information useful.
Best wishes,
David @ NDL.
Thing is i applied for an rbs account, sandtander account, and co op cashminder basic accounts online and got refused!!
Does this mean i need to go in directly and talk to them?0 -
Once you're discharged you should be OK to open a basic account.
Are you on the electoral role?
David.We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
Online applications rely on the record [and trigger point] the computer is set to.
Better to apply by phone [especially with Co-op] and demand an appeal to the decision.No, I don't think all other drivers are idiots......but some are determined to change my mind.......0
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