switching bank accounts- discharged BR

SomebodyToldMe

Hi,


Just wanted to know if any discharged bankrupts on benefits been able to switch to a current account, pref with small o/d facility?


I'm receiving Carer's Allowance, so been hard to find a job that fits in with my caring duties, but thought I would ask the question before Bank hits my credit score again with searches


Thanks

tigerfeet2006

Unfortunately until the BR is off your credit files you will find it very difficult to upgrade from a basic to a current account.

There has been a couple of success's on the board over the years but they are very far and few between.

How long since you have been dischaged? Have you cleaned up your files?

It would be worth you considering getting a Credit Union account so you can put a couple of pounds away and then if you have an emergency they do loans based on ability to pay back. They are community based and are fab.
A few examples of CU's for you

http://www.sycu.co.uk/index.asp
http://www.glasgowcu.com/about/
http://www.elcu.co.uk/

As you can see they vary from place to place but they are great as an extra backup.

SomebodyToldMe

Only been discharged a couple of months, and in process in cleaning up credit file- Barclays & Sainsburys being awkward but I'll try the CU's
Many thanks

andyf1980

We opened one with Nationwide this year with no problem. Chequebook but no OD.

A4445

andyf1980 wrote: »

We opened one with Nationwide this year with no problem. Chequebook but no OD.

Is the bankruptcy still on your credit file? Any defaults still? I didn't think nationwide would touch anyone with a discharged bankruptcy unless it was flex basic?

andyf1980

Hi yes. BR on file and 2 unsatisfied defaults. Maybe I was just lucky!