bancrupcy

[sack_6470]

can anyone advise me on this... i want to open an account with a bank that will allow me a solo card as i am a discharged bancrupt for nearly 2 years now, when applying online it said i have to go into a local branch with proof that i am discharged... i have been told that you can get a letter from the officail reciever stating this but at a cost, i was bancrupt for a term of a year apart from my original bancrupcy letters with the dates on etc will this not do if i go into the bank... has anyone else had this experience and what paperwork will do or will i have to pay out for a dishcharged letter?

[missmuppet]

Hi sack_6470, try natwest on line. I've just opened a step account and filled all the forms in online. You do have to prove evidence of address but I got my account set up in about 1week. I was only discharged about 3 months ago and all natwest asked was if I had ever been declared bankrupt before, no evidence required to prove this. good luck x

[sack_6470]

thanks for your reply, have i got this right, are they giving u a solo card too? because thats what i am really after, i have a nationwide account but its the basic which is fine but i really want a solo card to pay for things online etc... and nationwide do not do that, i think it was tsb i applied online for.... so will you get a solo card with natwest and did you advise them you were ex bancrupcy? regrads sack)6470

[sack_6470]

i just tried natwest online for a basic account with solo card and it declined me until i provide proof of discharge! it didnt ask was i ever bancrupt it came up at the end they have it on records, looks like i am going to have to pay for a letter from official reciever... anyone know how much that will cost?

[missmuppet]

Hi sack, sorry in the delay in answering. Yes I do have a solo card. Which account are you trying for? I've got a step account, no cheque book, no overdraft but you do get a solo card. I only applied about a month ago and I definately didn't have to give proof of discharge.

[missmuppet]

Hi sack. This is the web site that i used but you can't access it til tomorrow now. try it and let me know the outcome.

http://www.natwest.com/personal02.asp?id=PERSO NAL/DAY_TO_DAY/CURRENT_ACCOUNTS/STEP_ACCOUNT&t ab=1#ctaTabs

[sack_6470]

thanks missmuppet. just rung up and did an over the phone application... was declined on the step account pending proof of discharge! oh well... thanks again, will ring to see how much discharge letter is, sure iv been told before its about �75.00 mmm???

[themas]

To get proof of discharge you have to apply to the Court where you were made bankrupt. There is a fee - I think it is �60. Ask the Court office.

[missmuppet]

Hi sack. Oh i'm so sorry you couldn't sort your bank account out. Let me know how you get on in the future. Good luck with it all. Keep smiling :-)

[OrangeMollie]

You could try a prepaid MasterCard? This would be a full CHIP & PIN MasterCard, but its prepaid..
http://www.which-prepaid-card.co.uk

Good luck!!

[sack_6470]

hi, thanks for all ur advice, i rung the official reciever and was told that i could apply to the court for a letter of discharge for �60.00 or if i write to the O.R he will send me a letter of confirmation free that is normally accepted as proof at most banks etc, so i will try that before i have to part with �60.00 .... thanks again all!