| T O P I C R E V I E W |
| Alison.ay |
Posted - 15 July 2011 : 13:36:23
I took bankrupsy in Oct last year, I went to open a bankacount last week and was told I cant open a regular bankacount for 6 years and I would have bad credit history for 10years. Where can I open a regular bankacount. |
| 9 L A T E S T R E P L I E S (Newest First) |
| glafy |
Posted - 21 July 2011 : 14:48:26
Hi Alison.ay
I can personaly vouch for the co-op cashminder acc as we opened one each for BR purposes. No problems at all opening the acc & didn't even need to provide ID on the day.
I have heard of other banks that are also BR friendly so it may be worthwhile investigating tose too.
Good Luck.
"Good things come to those who wait".....I'm a patient person but this is taking the Mickey!! |
| xmas baby |
Posted - 21 July 2011 : 10:31:41
Hi Alison,
The record of bankruptcy will stay on file for 6 years and then you will have a squeaky clean credit file. Saying that your credit rating will probably still not be that great until you start building up your credit file by having some kind of credit and paying it off regularly. I have another 4 years to go :(
xmas baby |
| Niobe |
Posted - 17 July 2011 : 13:44:09
Thanks debtinfo - I thought I was!
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
| debtinfo |
Posted - 16 July 2011 : 13:56:04
You are correct Kallis |
| Niobe |
Posted - 16 July 2011 : 13:18:03
I thought it was six years from the date your BR was granted - same as an IVA is six years from the date of acceptance.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
| Blackie |
Posted - 16 July 2011 : 10:23:32
Hi Aliso.ay
Just an aside but the bankruptcy entry will be erased from your credit file six years after your discharge from bankruptcy. All your debts which were included in the bankruptcy should also be erased so I am at a loss to know where the figure of 10 years for you having a bad credit history was found. Six years and that is that.
All the best
John Blackadder
Bankruptcy365
For help and advice on the easiest and most effective way to a debt free future, please go to www.bankruptcy365.co.uk. |
| pauld172 |
Posted - 15 July 2011 : 17:52:06
hi you could also try natwest, they are BR friendly - they offer the step account which is dead basic but you get a visa debit card which is useful! |
| Viki.W |
Posted - 15 July 2011 : 15:01:56
I agree with Jan, the Cashminder from the Co-op is a great account and as long as you are on the voters role, you should be accepted.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
| Niobe |
Posted - 15 July 2011 : 14:49:36
Have you tried the Co-op? They are very BR friendly. It will only be a basic account but it does come with a debit card.
Your credit rating is shot for six years from the date of your hearing. You can then start to clear up your record.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
