Opening a new bank account after finishing IVA

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s.b.w

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Post by s.b.w » Mon Jul 28, 2008 2:09 pm
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[/purple]Dear All [:D]

I have now completed my IVA after the full 60 months payments and would like to open a normal bank account. I presently have a basic account with Nationwide (no debit card or cheque book).

I would like to open a "normal" account but Nationwide have refused on several occasions to let me have a debit card account (I don't actually want a cheque book).

Any ideas who would be a good one to contact. I don't really want to revisit any of my old lenders as I can only see a problem arising (RBS, Bank of Scotland, Co-op, Abbey and Barclys).

I was thinking of HSBC but really don't want to risk a rejection.

Any advice?

Many thanks

Sharon [:I][/purple]
Arghhhhh!!!!!!!!!
If only I'd said NO!

Go to my blog at:

http://shazzy.blogs.iva.co.uk/
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MelanieGiles

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Post by MelanieGiles » Mon Jul 28, 2008 2:12 pm
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Lloyds?
Regards, Melanie Giles, Insolvency Practitioner
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s.b.w

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Post by s.b.w » Mon Jul 28, 2008 2:22 pm
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They are a possibility as I never had any dealings with them?

I'll be sorting out getting my credit report from experian soon and see how things pan out.

Will probably try Lloyds and HSBC... what do you think my chances are?

Sharon
Arghhhhh!!!!!!!!!
If only I'd said NO!

Go to my blog at:

http://shazzy.blogs.iva.co.uk/
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TheMatrix

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Post by TheMatrix » Mon Jul 28, 2008 2:25 pm
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I would not bother with HSBC until the IVA and defaults drop off your credit file. Minimum 6 years from the creditors meeting date.

They really don't like anyone in a IVA or with defaults on their file
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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Wizzard

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Post by Wizzard » Mon Jul 28, 2008 2:45 pm
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Hi SBW
Congratulations on your completion. Re Bank Accounts I use Natwest and have both a Solo and a chequebook. takes about 20 mins to set up at your local branch.
When I was young I was called a rugged individualist
When I was in my fifties I was considered eccentric
Here I am doing and saying the same things I did back then and now I'm labelled senile
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tori

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Post by tori » Mon Jul 28, 2008 2:58 pm
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that must be a great feeling sharon.well done ! [:D] [:D]
please visit my blog http://tori.blogs.iva.co.uk/ a second chance..
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quark2008

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Post by quark2008 » Mon Jul 28, 2008 3:05 pm
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A friend of mine has one of those pre paid debit card things,tops it up via the post office and bobs your mother's brother ! i might get one in time, but i take out my weekly allowance and put in a glass jar where i can see actual cash and not plastic. think twice about spending it then.
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s.b.w

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Post by s.b.w » Mon Jul 28, 2008 3:11 pm
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Thanks Ray.

I'll have a chat with the customer service people first and see what they say my chances are.

Many thanks for your advice

Sharon
Arghhhhh!!!!!!!!!
If only I'd said NO!

Go to my blog at:

http://shazzy.blogs.iva.co.uk/
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Viki.W

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Post by Viki.W » Mon Jul 28, 2008 3:53 pm
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Hey Sharon, just wanted to congratulate you. Good luck for your debt free future. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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s.b.w

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Post by s.b.w » Mon Jul 28, 2008 4:03 pm
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Thanks Viki

It's been hard, but the past 5 years were worth it.

Good luck everyone!

Shaz x
Arghhhhh!!!!!!!!!
If only I'd said NO!

Go to my blog at:

http://shazzy.blogs.iva.co.uk/
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Viki.W

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Post by Viki.W » Mon Jul 28, 2008 4:05 pm
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I do hope you keep posting.[:)] X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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debtmountain

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Post by debtmountain » Mon Jul 28, 2008 4:07 pm
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Hi Sharon,[:D]

Just wanted to Congratulate you on finishing your IVA, you must be feeling so happy and relieved.

Well Done to you.[:)]

xx
IVA accepted 13/11/2008..17 payments down,55 to go..
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s.b.w

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Post by s.b.w » Mon Jul 28, 2008 4:10 pm
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It really is.

I'm so worried about over spending now it's a nightmare.

It took over 5 years to sort this out, but after the long slog I finally got there.

If I can do it then anyone can!

Shaz x
Arghhhhh!!!!!!!!!
If only I'd said NO!

Go to my blog at:

http://shazzy.blogs.iva.co.uk/
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kallis3

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Post by kallis3 » Mon Jul 28, 2008 5:22 pm
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Well done Sharon, what a great feeling for you.

Hope you get your bank account sorted.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
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Lisa2009

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Post by Lisa2009 » Mon Jul 28, 2008 9:37 pm
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Many congrats on finishing, well done you xxxxx
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


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