Post
by
wen » Sat Nov 17, 2007 11:53 pm
I've read about Think banking, and although they charge per month, the feedback seems positive about them (and you get a Maestro card too [8D]).
Two questions though.
1. Obviously having a bank account appears on your credit record, to prove you've been with a bank with x amount of time etc etc. As Think banking don't do credit checks to open accounts, do they put your details on your credit report, so one day (after bankruptcy), at least you've got proof that you've had a positive bank account?
2. We've recently opened a new account with Lloyds TSB. It is a standard Current Account, but has no overdraft or credit facilities attached. We opened it because they are NOT a creditor of ours and we were hoping to do an IVA... however now removed head from sand, and realised bankruptcy is the way to go, will we still lose this bank account, or have it downgraded to a basic account, or would the Official Receiver allow us to keep it, as there is no huge credit balance or O/D ?