Halifax basic account?

bradztheman

Does anyone know if Halifax will let me have a basic account if i had a default on a current account 4 years ago with them?

I also went bankrupt 3 years ago but was discharged 2 years ago.

Would i need to take in proof of discharge?

Bearing in mind i only want a basic account and not a current account.

eskbanker

I'd have thought it would make more sense to go to another bank rather than one you defaulted on - Barclays and Co-op are recommended at http://www.moneysavingexpert.com/banking/basic-bank-accounts

bradztheman

Ive applied for a bank of scotland cash account. No credit checks. Hopefully it comes back ok.

dr_adidas01

bradztheman wrote: »

Ive applied for a bank of scotland cash account. No credit checks. Hopefully it comes back ok.

What makes you think that they won't credit check you? Nearly all banks these days credit check applications for accounts, even basic accounts.

SnowTiger

bradztheman wrote: »

Ive applied for a bank of scotland cash account. No credit checks. Hopefully it comes back ok.

https://www.bankofscotland.co.uk/bankaccounts/pdf/cash-welcome-pack.pdf:

We can still open an account for you if you have a poor credit history. But, if your credit reference agency file shows that you have a history of fraud or are an undischarged bankrupt we won’t be able to accept your application.

You'll probably get the account.

Do you still owe Halifax money? I think there's technically the right to set off between Halifax and Bank of Scotland accounts.

bradztheman

SnowTiger wrote: »

https://www.bankofscotland.co.uk/bankaccounts/pdf/cash-welcome-pack.pdf:



You'll probably get the account.

Do you still owe Halifax money? I think there's technically the right to set off between Halifax and Bank of Scotland accounts.

Yes i do. Ive made a new post:

https://forums.moneysavingexpert.com/discussion/comment/68701509#Comment_68701509

bradztheman

SnowTiger wrote: »

https://www.bankofscotland.co.uk/bankaccounts/pdf/cash-welcome-pack.pdf:



You'll probably get the account.

Do you still owe Halifax money? I think there's technically the right to set off between Halifax and Bank of Scotland accounts.

I am a discharged bankrupt. Surely this should show up that im discharged!! I got declined for the account today!! But i can appeal it, they said:



We're sorry, but your application has been unsuccessful



Thank you for applying for a Bank of Scotland current account.



Unfortunately, based on the information you've provided, you haven't met our account opening requirements at this time. However, it may be worthwhile reapplying in the future.



If you think we’ve based our decision on incorrect information and you have any other details you'd like to provide, we’ll be happy to reconsider.



Please write to us at the following address:



Personal Lending Decisions
New England Street
Brighton
BN1 4BR



Please include:




•
your Bank of Scotland sort code and account number (if you have one)



•
your name and address



•
the name of the current account you applied for



•
any additional details you'd like us to consider



•
the date of your application



Credit reference agency details



For your information, we’re including details of the credit reference agencies we use.

System

When you have debt's against a bank then then they will often refuse further products even when they have written off or can't collect the debt.

Halifax IS Bank of Scotland BTW

bradztheman

Heng_Leng wrote: »

When you have debt's against a bank then then they will often refuse further products even when they have written off or can't collect the debt.

Halifax IS Bank of Scotland BTW

Yeap i know halifax is bank of scotland.

So even if i wait 6 years until
All record of satisfied and even settled previous accounts disappear, can i then re apply?? Or will they still have record of me?

bradztheman

I even applied for a tsb basic cash account and my application was declined!! Not sure why? They're not related to any other banks are they? I have a bad credit rating but i have been a discharged bankrupt for over 2 years now so it shouldnt affect me..

jonesMUFCforever

bradztheman wrote: »

Yeap i know halifax is bank of scotland.

So even if i wait 6 years until
All record of satisfied and even settled previous accounts disappear, can i then re apply?? Or will they still have record of me?

They will only dissapear off your credit files - nothing stopping anybody holding internal information for their own use after this time.
Why waste time with a bank that you have defaulted on?
Look at it this way, you lend a mate £500 - he doesn't pay you back - would you then lend him more money 5 years down the line?