www.iva.co.uk

I got agreement on full and final settlement back in July. Hurrah!! I just tried to open a savings bond, fixed term fixed rate with the Coop bank where I hold my basic current account and they have turned me down because of my credit reference. I KNEW my reference would be shot to pieces for another couple of years if applying for any credit - never realised banks wouldn't want me as a saver!!! Help??

I think the Co-op are quite strict on their criteria for savings accounts. I managed to open an ISA with them prior to my IVA being accepted.

Are you still listed on the insovency register? If could be that once you are removed from here they may accept your application.

Have you actually discussed this with the Co-op? It would be a shame to move banks because of this and they may be able to shed further light as to how long before they accept an application from you.

I have a bank account with lloydstsb. I have been with them for 7 years, never been overdrawn, always had my wages paid in each month. They were not one of my creditors.

When I had made my last IVA payment in Feb this year I carried out an experian credit check. It was flawless, even I would lend money to me!

I asked for a small overdraft and was turned down. I made an appointment to see the bank manager and although they were polite enough to seem baffled that I had been refused this, it became apparent that it was because my name was still on the insolvency register (as it still does today)