when will i stop being bankrupt??

[vikivk]

Hi,

I went bankrupt in Oct 2005 and was discharged in May 2006. I was recently looking at opening a new bank account (with a branch closer to home) and Barclays (for example) asked if I was bankrupt?? Am i still bankrupt even though I am discharged?? if so how long does it last?? forever?? I hope someone can help

Viki

[chris.g]

I think the best way to deal with this is tell them that you are a discharged bankrupt. That way you are being upfront. They will know anyhow as it will show on any credit check for 6 yrs after br.
xx

[MelanieGiles]

Once you have received your discharge you are no longer bankrupt. This will, however, remain on your credit records for six years following the date of the bankrutpcy order.

[vikivk]

Ok, thanks. That's helped me out. I'm just not sure what bank to apply with. I'm with Co-Op but my nearest branch is miles away and I'd like to have one in my home town so if I need to I can draw out money over the counter. My cashminder account won't allow me to purchase items with my electron card that are priced over £250 which I've only just realised after being very embarrassingly declined in a shop. My partner who ran away from his debts about 6 years ago has just managed to open a proper Barclays account so I'm a bit jealous and pee'd off after I declared things properly and he just run away.

[chris.g]

You can use any post office to make deposits and withdrawals from your cashminder so you don't really need to live close to a branch. Not sure if there is a limit from PO but you could always phone them to ask.