Is he already in one? Sorry, didn't realise, thought he was setting one up.
Probably would be ok then.
I lose track of who is doing what sometimes. My brain cells are dying off!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I think so. I suppose it all depends on how strict Barclays are about opening an account. I'm thinking of trying, but I had Barclaycard as a creditor (I'd forgotten that!) so I'll have to see what they say as well.
We still have our Barclays account, it has all of 45p in it! Nothing has ever been said by Barclays about closing it, but then it is a joint account, and Barclays weren't one of hubby's creditors so don't know if that makes a difference.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I would open a coop cashminder basic account, we did that when we started our proposals. We are now in a DMP and to be honest wish i had switched to the coop years ago. It gives us all we want and need and has a debit card facility too.
Well I applied for the account over the phone and they declined me due to my credit check, they did say I could try going into Branch, dont think I would bother.
If I have problems with Halifax then I will goto YBS as Nationwide and Co-operative bank where both creditors of mine
There's always NatWest if they weren't one of your creditors?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
In an IVA you should be ok, as the banks cannot take money from your account to offset against your debts.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I thought that, but when Abbey announced their plan to take over Alliance and Leicester my IP Suggested that I should use another Bank. She also advised that Halifax dont like people with bad debts, so I may have a problem with them
I'm bricking myself over this merger.
I have my Account with Lloyds - I am dreading that I have a problem....as Nationwide, First Direct, Alliance & Leicester, Halifax and Co-Op are all our creditors!!!
It doesn't then leave many left for us to change to.
I may look at Nat West and see about opening a basic Account with them.
They say the take over won't go through until the end of the year...but imagine if they tell us then that we have to go elsewhere!
Just as things have settled down nicely...there's something to come along and put a dampner on it!!!
k.
Lloyds werent one of my creditors, but they did a credit score on me (apparently its a normal 6 months thing) and found out about my IVA and insisted that my account should be closed, what I was thinking of doing was opening a Lloyds account and see if they let me that way if I have a lloyds account open when they merge with Halifax hopefully I wont have a problem
But if they closed your account before after doing a credit check, surely they won't let you open a new one as they will do the same check?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Wouldn't it be good if banks would come out and say if they will customers with IVA's/bankrupt etc. We turned down at the NAT WEST branch when we tried to open an account but was accepted at HSBC. Is the decision down to individual bank employees or bank policy?
Reading various threads on the forum there doesn't seem to be any consistency as to what bank will accept people with poor credit ratings
I know a lot depends on what money is owed to whom but even so there is a great deal of luck involved it seems to me.
Jan
Nothing you can buy feels as good as not being in debt.
