Also how many years before we can have a normal bank account as Lloyds will only give debit card with no overdraft facility, hopefully never needed but still feel viewed as second class customer. Would it be better to move my funds elsewhere.
As regards your bank - try Nationwide or Co-op for a full account. We have 2 accounts with debit cards and cheque books. Still have no overdraft on either and don't want one either.
Regarding the bank -- this varies from bank to bank, according to their own internal policies. I upgraded with mine (Co-Op) as soon as my credit files cleared up, which should be, in most cases, 6 years from the start of the IVA. I had no issues and was even offered a credit card at the same time.
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