www.iva.co.uk

Posted: **Wed Sep 16, 2009 10:10 pm**

Hi, I have just started an IVA and I have just asked my bank, who are not one of my creditors, about opening a joint account with my partner, who is solvent and finacially secure and has an account with the same bank, and I was refused due to issues on my credit file.
When I called the bank again to explain my situation they informed me that because I am now in an IVA they no longer want my business and will be closing my account in 30 days! My current bank is First Direct who I have been with for many years. I have been in a debt management programme for the last three years with no problems at all, so I was frankly quite shocked by the way they treated just because I am now in an IVA. So my question is, are there any decent banks that actually offer a good service and allow people in my position to have a bank account?

Posted: **Wed Sep 16, 2009 10:16 pm**

First Direct do not like people who are in an IVA and will always close the accounts.

You could try the Co-op - they have an excellent reputation on here.

Posted: **Wed Sep 16, 2009 10:20 pm**

I would also recommend the Co-op if they aren't one of your creditors. Their basic Cashminder account is pretty good, and their customer service is excellent.

Posted: **Wed Sep 16, 2009 10:35 pm**

Allen...Co-Op for me too. As Skippy says...their customer service is excellant.

Posted: **Thu Sep 17, 2009 3:13 pm**

To be honest I found the HSBC great but that was two years ago, not sure how helpful they are now to new business

Posted: **Thu Sep 17, 2009 3:16 pm**

It is highly unlikely that HSBC will touch you if you are in an IVA.

Try the Co-op as recommended.

Posted: **Thu Sep 17, 2009 3:24 pm**

HSBC are the parent of First Direct and most likely are the originators of the non IVA policy. It would probably be a waste of time to try them.

Posted: **Thu Sep 17, 2009 3:26 pm**

Hello,

First Direct did this to me last week as well. I have banked with them for 14 years.

I now have a Co-op Cashminder Account and they have been really nice with me despite my pending IVA.

Tracy x

Posted: **Thu Sep 17, 2009 3:27 pm**

Co-op are very IVA sympathetic, I would recommend them every time.

Posted: **Thu Sep 17, 2009 8:23 pm**

coop for me cant fault them.

Posted: **Thu Sep 17, 2009 8:59 pm**

I'm with Nationwide and have had no problems so far. Yorkshire Building Society are supposed to be good as well.

Posted: **Thu Sep 17, 2009 9:30 pm**

I'm with Natwest and they're fine for me, but I always recommend the Coop account as you read so many positive posts on here about them x