have come up against a brick wall getting a b/a

[stu]

I filled for bankrupcy on the 11 may 2004. Since then I have come up against a brick wall in trying to get a bank account with a debit card. I have a std cash card account that has never been over drawn or shown any signs failure inthe last 1 1/2 years that I have had the account. The question or advise that I need to ask, is do I have to apply to the courts for a letter of discharge in order to prove that I am now clear of bankrupcy. Up until now I ahev not been contacted by the courts to indicate that there has been any issues that might irease my period of bank rupcy?

[Skippy]

You might have a problem opening a 'normal' bank account until the bankruptcy drops off your credit rating.

[Reviva UK]

Hi
you may already have seen previous posts but the COOP provide an account called CASHMINDER
this gives you direct debit / standing order / telephone & internet banking PLUS a Visa Electron card.
Not quite as good as a visa debit card but a great first step. It can be usd in lots of places. sainsburys / petrol stations & loads of shope / internet.

If however you need to book easy jet or travelodge you might also consider getting a TUXEDO prepaid mastercard. This acts like a mastercard credit card but is more like a phone top up card. We encourage all of our clients to have one.
http://www.tuxedo-eccount.com/main.html

[Skippy]

So far I haven't had any problems with my Visa Electron card and it hasn't been refused anywhere.

[Adam Davies]

Hi
The electron card is not accepted universally,I couldn't order flowers online today using it,luckily I do have a credit card.
Think Banking do offer a full debit card[maestro],the account is open to all and you will be accepted regardless of your credit history.
There is a £12.50 fee each month for single accounts and £17.50 for joint plus a £25 set up fee.The debit card is great but I found the service a bit hit and miss recently.Contacting them by phone will take you between 5 and 10 mins.They have talked about an online account for about a year now and is much needed,in my opinion.
Regards

[Skippy]

I would have stayed with Think Banking if they'd had the online service - it would have made such a difference. I would have preferred to fill in a secure form online each month to tell them how much money to transfer across - much easier (and cheaper!) than phoning an 0845 number!

[Adam Davies]

Hi
Do they earn out of the 0845 number ?

[vickir]

AAhhh, its nice when men send flowers x

[Skippy]

As far as I know companies get a percentage of the call costs from 0845 and 0870 numbers. It's a cheek really as half the time I phone these numbers I'm ringing to complain to the company!