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Posted: Mon Jul 28, 2008 2:09 pm
by s.b.w
[/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]
Posted: Mon Jul 28, 2008 2:12 pm
by MelanieGiles
Lloyds?
Posted: Mon Jul 28, 2008 2:22 pm
by s.b.w
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
Posted: Mon Jul 28, 2008 2:25 pm
by TheMatrix
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
Posted: Mon Jul 28, 2008 2:45 pm
by Wizzard
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.
Posted: Mon Jul 28, 2008 2:58 pm
by tori
that must be a great feeling sharon.well done ! [:D] [:D]
Posted: Mon Jul 28, 2008 3:05 pm
by quark2008
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.
Posted: Mon Jul 28, 2008 3:11 pm
by s.b.w
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
Posted: Mon Jul 28, 2008 3:53 pm
by Viki.W
Hey Sharon, just wanted to congratulate you. Good luck for your debt free future. X
Posted: Mon Jul 28, 2008 4:03 pm
by s.b.w
Thanks Viki
It's been hard, but the past 5 years were worth it.
Good luck everyone!
Shaz x
Posted: Mon Jul 28, 2008 4:05 pm
by Viki.W
I do hope you keep posting.[:)] X
Posted: Mon Jul 28, 2008 4:07 pm
by debtmountain
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
Posted: Mon Jul 28, 2008 4:10 pm
by s.b.w
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
Posted: Mon Jul 28, 2008 5:22 pm
by kallis3
Well done Sharon, what a great feeling for you.
Hope you get your bank account sorted.
Posted: Mon Jul 28, 2008 9:37 pm
by Lisa2009
Many congrats on finishing, well done you xxxxx