Hi need some advice me and my ex separated 2 years ago and we have a joint bank but she is being very difficult . We have a natwest select again . I have everything in my account regarding direct debits etc. my iva has now been settled as it got cleared in January . I would like to open a new bank account in my sole name can anyone advice a bank that may accept me please
I had a nightmare when I opened a Co-op account prior to the start of my IVA - I was lied to at every turn and it put me off ever having any dealings with them again.
Instead I opened a basic Barclays account and have been really pleased - excellent online facilities, you can open additional savings accounts instantly online, lots of optional features and you can even get your debit card personalised with a photo printed onto it!
"If you think it's expensive to hire a professional to do the job, wait until you hire an amateur."
I opened a Smile account (Coop Online) before starting my IVA, which had a £1000 overdraft limit on it.
When entering the IVA all they did was reduce this limit to £500 to comply with the £500 credit limit allowed in my IVA, it has come in handy now and then in emergencies.
I was with Barclays but owed them in the IVA so had to open the new one but vowed never to go back to them anyway after they closed my wife's account (not in IVA or financially connected) when se had not used it for two years. They did not tell her they were going to do it and was going to keep the £6 or so she had in it.
That is interesting MG12. As a N Ireland firm we have a lot of clients here in addition to England and Wales so any other bank that can be used is a help.
I would recommend Barclays. I opened an account with them in the last year of my IVA, I had to open it in branch but to be honest the lady who dealt with me knew exactly what an IVA was and made no judgement on me because of it. You get a visa debit card and online and phone banking.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
I went to open an account at Santandair. As soon as I mentioned the dreaded "im in an IVA" the guy looked at me as if I was trying to rob the bank with a stocking over my face...He cut the conversations short and was then rude to me and I left the bank. Yorkshire bank were brilliant and I have been with them ever since.
