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    • jeanniej
    • By jeanniej 11th Mar 18, 9:40 AM
    • 36Posts
    • 1Thanks
    jeanniej
    Switching Bank - Will past Bankruptcy Come Up?
    • #1
    • 11th Mar 18, 9:40 AM
    Switching Bank - Will past Bankruptcy Come Up? 11th Mar 18 at 9:40 AM
    Will possibly be switching current account to either Nationwide or Santander and am wondering if anyone has any experience of switching accounts to these as a past/discharged bankrupt (now eight years for me)

    Will the question of a past bankruptcy be asked does anyone know?

    Any advice appreciated.
Page 1
    • Browntoa
    • By Browntoa 11th Mar 18, 9:48 AM
    • 33,199 Posts
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    Browntoa
    • #2
    • 11th Mar 18, 9:48 AM
    • #2
    • 11th Mar 18, 9:48 AM
    You are past 6 years so should not be an issue

    https://www.thinkmoney.co.uk/bankrupt-bank-account/open-bank-account-discharged-bankrupt/
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    • jeanniej
    • By jeanniej 11th Mar 18, 10:03 AM
    • 36 Posts
    • 1 Thanks
    jeanniej
    • #3
    • 11th Mar 18, 10:03 AM
    • #3
    • 11th Mar 18, 10:03 AM
    Thanks for your reply - I was aware that the bankruptcy was on ones credit file history for 6 years but what I really wanted to know was if anyone knew if they ask the question so to speak 'have you ever been bankrupt' - obviously I would answer yes but would prefer to know beforehand prior to any credit search appearing on my credit file.
    • LincsPaul
    • By LincsPaul 11th Mar 18, 1:06 PM
    • 131 Posts
    • 66 Thanks
    LincsPaul
    • #4
    • 11th Mar 18, 1:06 PM
    • #4
    • 11th Mar 18, 1:06 PM
    I believe once you're past the 6 year mark the only time you ever need to 'fear' the ghost of bankruptcy is indeed when anyone asks you that question. That said, I doubt they will ask (I recently opened a bank account and nowhere in the terms or questions was bankruptcy past or present mentioned). Even if they do ask I doubt they will care - you probably have a shining credit record now so they will happily give overdraft facilities etc?
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