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Nat
Junior Member
367 Posts |
 Posted - 28 September 2009 : 10:43:08
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Hi all
I was discharged on the 18th Sept and I'm looking to upgrade my bank account. Currently have one with the co-op but would really like a cheque book again now! I'm not interested in overdrafts or anything like that but i do need to start building my credit rating again, although i know this is going to take some time.
Just called the co-op and they will not upgrade my account for another 6 YEARS!!! Has anyone got any ideas of the best banks to go to?
Thanks
Nat |
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Blackie
forum expert
United Kingdom
565 Posts |
Posted - 02 October 2009 : 10:30:02
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Why would you want a chequebook when they are really things of the past and less people are accepting them? Having a chequebook is not going to necessarily help your credit rating to improve. At least if you use your debit card for your purchases and withdraw cash when you need it, you are not going to end up in debt, again.
All the best
John Blackadder
**Signature and link removed** |
Edited by - Skippy on 04 October 2009 10:27:54 |
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Nat
Junior Member
367 Posts |
Posted - 03 October 2009 : 07:15:22
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HI John
I know cheques aren't used very much these days and to be honest I don't often need them. But schools often want things paid by cheque and also other kids activities such as scouts/dance. All very well saying pay by cash but recently paid out nearly £400 for a foreign trip for my daughter, would you let your child walk to school with that cash in her pocket? I have to get my partner to write cheques for me again not such a big issue but he works away which can cause delays/problems.
I have absolutely no intention of getting into debt again and i would like to stress that my case was due to having a prat for an ex who did not pay up what he should have done in our divorce and still didn't pay up when the OR went chasing.
I would like to be able to get a mortgage at some point in the future which is the reason for wanting to increase my credit rating. At present i am finding it impossible to upgrade my account to a "normal" current account (which, from what i have read up on would increase my credit rating very slightly) and i do appreciate the current economic situation is not helping as well as my br.
Nat |
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focus320
Starting Member
27 Posts |
Posted - 03 October 2009 : 09:18:42
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Hi Nat
I was discharged in May 2009 and like you would like to switch back to a bank account with more facilities. Having to send the kids to school with a postal order cheque is a complete pain in the bum !
So far I’ve had no lucky achieving my goal here, with most banks saying they will not look at me for 6 years. The only small glimmer of hope is Halifax/Bank of Scotland who will consider discharged bankrupts after 3 years. For me that is now 2 years away ! Upon discharge I set about cleaning up my Credit File and just yesterday I had the last creditor (Egg) correct the file from Default to Satisfied – now at least if anyone needs to credit score me they can see I no longer owe any money anywhere.
I am guessing from the silent on the this thread no other discharged people have found a Bank Account that will offer a cheque book either ? I also thought that this forum was about helping each other out and passing useful information around, to that end I have to say that I found John’s comments unhelpful and condescending. If you have nothing useful to say, maybe you should say nothing at all.
Regards
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Nat
Junior Member
367 Posts |
Posted - 03 October 2009 : 12:15:14
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Hi Focus
Thank you for replying with useful info, very much appreciated.
I used this site frequently last year but the odd time I have popped on here in recent months I've found info posted has been helpful (to myself and others) although it seems to have lost the "friendly" touch.
To all those going through the process, the stress does lighten up and you do come through the other side. It's amazing how much money you end up saving through being savvy and not having any credit! I wish you all the very best.
Nat |
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RHB
Senior Member
1159 Posts |
Posted - 03 October 2009 : 12:25:11
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| Tbh, I can't see anything unfriendly in John's post. As you say, cheques are useful when you hav e school age children. |
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charlie44
Junior Member
231 Posts |
Posted - 03 October 2009 : 12:38:51
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| Without the help of others on this site I do not know what I would have done, all the posts are friendly and helpful, and after reading and rereading Johns post I find it hard to describe it as unhelpful or condescending. |
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focus320
Starting Member
27 Posts |
Posted - 03 October 2009 : 12:55:56
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Everyone on here is fully entitled to their own opinion and generally the forum is very helpful both factually and emotionally.
However John’s post was of no use in answering a question that was raised in this thread, therefore in my opinion his comments would be deemed of no use – ergo unhelpful in this thread. If you can’t offer help in a thread then was is the point in making a highbrow comment.
Personally I found John’s comments regarding getting back into debt when potentially using a cheque book condescending as they suggest debt built up due to poor cash flow management. For some people this may have been the case, for others it would not be – but I find tarring everyone with the same brush is out of order.
Other opinions are available . . . . . .
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 October 2009 : 19:10:08
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I really don't see what the problem is with John's post - as you quite rightly say everyone is entitled to their opinions. Maybe the comment about getting into debt again could be misconstrued, but let's be honest, it's easy to forget you've written a cheque!
Nat, I really don't think that you'll find a bank who will offer you a full account this soon after being discharged, it's a case of waiting I'm afraid.
I'm sorry you don't find the forum is as friendly as it was. I can't say I've noticed that, and to be quite honest I think a lot of the advice is much better and more accurate than it was a while back.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
26 IPA payments made, 10 to go - on the home straight! |
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mrss
New Member
United Kingdom
71 Posts |
Posted - 03 October 2009 : 21:32:17
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Nat
There is an account you can use and get a cheque book and debit card . . skippy is wrong here in saying you wont find one.
I have seen it on another forum and wll find the details out and get back to you. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 October 2009 : 21:50:30
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I can only go by my own experience and others on both forums, and if there is an account I'm happy to be corrected!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
26 IPA payments made, 10 to go - on the home straight! |
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Jane.l
Average Member
511 Posts |
Posted - 04 October 2009 : 10:15:14
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| How come John is allowed to advertise in his sig? Thought that was for experts only............... |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 October 2009 : 10:29:19
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Thanks Jane, I've removed it - I've been away and I'm trying to catch up!
John, please don't put your details in your signature, only experts are allowed to do this. Thanks.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
26 IPA payments made, 10 to go - on the home straight! |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 04 October 2009 : 12:49:37
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Hi
Norwich and Peterborough Basic Gold Account has a cheque book and cashcard only and they accept discharged bankrupts.
Barclays will look at upgrading a basic account after a year and a half
Best of Luck
Stu J Byron |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 October 2009 : 13:12:35
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It's a shame they don't offer a debit card as well as the chequebook as it sounds as though it would be a very good account if they did.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
26 IPA payments made, 10 to go - on the home straight! |
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Topic |
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Bank account after discharged
