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Debit Card question

Bald_Runner
Bald_Runner Posts: 80 Forumite
Part of the Furniture Combo Breaker
in Bankruptcy & living with it
When we realised we were having problems, we were with the RBS and owed them some money – a loan and an overdraft. We opened a new bank account with Barclay's, a debit card account; we told them we were proposing an IVA. If I now go BR because the IVA proposal looks set to be rejected, Barclay's told me that I will have to revert to a ‘cash card’ account. I was told that it may be some years before being allowed a debit card again, even after discharge. Any views or experiences please?
In the beginning, there was nothing.
The Lord said "Let there be light".
There was still nothing, but you could see it.

Comments

  • jono_1uk
    jono_1uk Posts: 160 Forumite
    i would say go and get a co-op cashminder account, u get a debit card with it and they accept BR
  • kpp2002
    kpp2002 Posts: 63 Forumite
    the co-op bank is the only bank that will give a debit card to undischarged BR's. after discahrge you might have a few more options

    co op are a very good bank with excellent customer service and internet banking.

    Not too many branches, but you can put money in and withdraw at the post office

    good luck with it all
    Believe nothing, no matter where you read it, or who has said it, not even if I have said it, unless it agrees with your own reason and your own common sense
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Unfortunatly Barclays only offer a cash accounts to bankrupts. As Jono says Co-op cashminder has an electron card.

    http://forums.moneysavingexpert.com/showthread.html?t=474254
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    The only stupid question is an unasked one
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  • gettingitsorted
    gettingitsorted Posts: 2,440 Forumite
    i also got a debit card with my halifax basic account which i got well before i was discharged as well as my co-op one .
    Official DFW NERD 189

    I may be a woman but dont hold it against me:D

    Officially declared Br 6/11/06


    Discharged Br 4/5/07 (6 months to the day)

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  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    gettingitsorted wrote: »
    i also got a debit card with my halifax basic account which i got well before i was discharged as well as my co-op one .

    Yep. But you are a 'jammy' so and so GIS. :p

    May be worth a try, but most people seem to get turned down.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • kpp2002
    kpp2002 Posts: 63 Forumite
    when halifax closed my current account they said in a very snotty letter that it was there "policy not to deal with BR's"

    knowin the halifax's incompetence im not surprised they actually do on occassion
    Believe nothing, no matter where you read it, or who has said it, not even if I have said it, unless it agrees with your own reason and your own common sense
  • Bald_Runner
    Bald_Runner Posts: 80 Forumite
    Part of the Furniture Combo Breaker
    Thanks All. The Co-Op is one of my creditors....don't think i can go there, I had a Visa card with them
    In the beginning, there was nothing.
    The Lord said "Let there be light".
    There was still nothing, but you could see it.
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Bald_Runner wrote: »
    Thanks All. The Co-Op is one of my creditors....don't think i can go there, I had a Visa card with them

    Don't be so sure. There are quite a few people here that the Co-op happily gave that account to despite going BR owing them loads.

    And if you did get an account with them after BR it would be illegal for them to raid your account to pay the former debts.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Agreed....one of my biggest creditors were barclays & they were falling over themselves to give me a basic account...stayed with the co-op though in the end
    We all die. The goal isn't to live forever, the goal is to create something that will
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