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Posted: Tue Jul 08, 2008 12:42 pm
by m15
HELLOE EVERYONE
WELL I THOUGHT EVERYTHING WAS GOING STRAIGHT FORWARD AS WE WENT BANKRUPT ON FRIDAY. NOW WE HAVE BEEN REFUSED A BANK ACCOUNT AT CO-OP BANK AND NATWEST . I THOUGHT THESE BASIC ACCOUNTS WERE FOR PEOPLE THAT WENT BANKRUPT. WE TOLD THEM ALL THAT WE HAVE ONLY JUST GONE BANKRUPT AND WHEN IT GOES THROUGH THEY DECLINE US. ANY IDEAS WE NEED SOMEWERE TO PAY MONEY IN TO.#
THANKS
Posted: Tue Jul 08, 2008 12:55 pm
by Skippy
Natwest will say no as they don't allow an undischarged bankrupt to hold an account.
Which Co-op account did you apply for, and how did you apply for it? The Cashminder is the only account that they will offer you, and you need to apply for this either in a branch or on the phone - if you have applied online you have applied for one of their standard current accounts.
Last question - are you on the electoral register at your current address? This is the only reason I can think of that they refused you.
Posted: Tue Jul 08, 2008 1:07 pm
by m15
WE WENT INTO THE CO-OP BANK AND APPLIED FOR THE CASHMINDER ACCOUNT. ARE YOU SAYING WE NEED TO BE REGISTERED AT OUR ADDRESS THEN.
THANKS
Posted: Tue Jul 08, 2008 1:20 pm
by plasticdaft
Being registered at your address is the only way co op can know you are who you say you are and that you live where you say you do,otherwise the account could be used for illegal purposes. May be worth getting on electoral role and then giving Co op another go,if they refuse again ask them why.
Posted: Tue Jul 08, 2008 1:31 pm
by m15
THANKS FOR YOUR HELP.
Posted: Tue Jul 08, 2008 1:40 pm
by jane.l
I am not on the electoral register and once bankrupt, I opened 2 Barclays Cashcard accounts with no problem
Posted: Tue Jul 08, 2008 1:58 pm
by plasticdaft
Hmm maybe worth asking why you cant get an account. They arent one of your creditors are they???
Posted: Tue Jul 08, 2008 2:05 pm
by m15
NO THEY ARE NOT. AND WE COULDN'T GO WITH BARCLAYS AS THEY ARE ONE OF THE CREDITORS. JUST PANTS MY HUSBAND HAS TO HAVE HIS MONEY PAID INTO HIS MUMS ACCOUNT THIS MPNTH AND I WILL HAVE TO DRIVE 3.5 HRS TO GET IT.
Posted: Tue Jul 08, 2008 2:17 pm
by Emily
Co OP use Experian to look you up but not credit check. The details must match. The electorate details will be on Experian's files.
The Co-op if they don't see the match will just decline the account....try Alliance and Licester
Posted: Tue Jul 08, 2008 4:17 pm
by Skippy
I don't think A & L will offer a bank account to an undischarged bankrupt?
I would get yourselves on the electoral register and then go back to the Co-op and re-apply.
Good luck x
Posted: Tue Jul 08, 2008 4:41 pm
by m15
itried a/leciter they won't and i have registered myself now but it takes a few weeks . its pants !!!
Posted: Tue Jul 08, 2008 10:33 pm
by plasticdaft
Have you thought about getting one of the pre paid credit cards,they dont run credit checks and anyone can apply and I am sure you can have wages paid into them if you like,its not the best but may save you the drive and you can change to a bank account when you get one opened.
Posted: Wed Jul 09, 2008 7:20 am
by plasticdaft
Just bumping this up so m15 sees it.
Posted: Wed Jul 09, 2008 8:21 am
by aguise
There is always thinkbanking. I know a lot on here have not been happy as they do charge for the account (managed account) but it can be opened over the phone in a matter of minutes, all are accepted as the account was designed for those with these probs. I still have to say the account works really well for us and i still have had no problems whatsoever with it.
A last resort at least if all others fail.
Ang
Posted: Wed Jul 09, 2008 9:31 am
by LoneRanger
Why dont you open a building society account for the time being for your wages to be paid into? You wont get a cash card but if you open one that is in your town then you wont have to travel 3 1/2 hours to get his wages.
You can have your wages paid into a building society no problems and this will give you close access to your money until you can find a basic bank account that you are allowed to open
Regards
Steve