Hello

I went bankrupt in 2007, I had 2 nationwide debit cards and a nationwide credit card but when i went bankrupt one of the debit cards was not overdrawn and did not have an overdraft facility on it so they kept it open and so I have been using that ever since I was bankrupt................. so I dont understand why they wont give you a debit card if you have been bankrupt for awhile..........

Hi Benjamin

You've probably got a card now. But try Co-Operative Bank Cash Minder. It's an electron card but you'll be able to set up direct debits.

But if you want to have a savers account good-luck getting one with them. I'm being told I have to ride out the 6 years before they'll let me have an account that pays interest.

hey guys

im 18 with the same nationwide account and cant for the life of me get an account with a debit card its driving me mad!!!

to me thinkbanking is a waste of money u shouldnt have to pay to use your money the way u want!!! ive just tried for a halifax easycash account which i got a letter asking for proof of ID which i gave them a week ago and its not looking good :( i would try the co op step account your most likely to get that u will ahve to go into the bank to apply for one which i dont have time to do but if u have a 30mins its a good idea!

hope it helps :)

Hi VISA Debit cards also allow you to go overdrawn as at the point of sale they dont always check that there are sufficient funds (smaller transactions)

VISA Electron cards do check!

Try the Halifax Easycash acount. No chq book but a VISA Electron card. They have a good ISA and savings account online that you can immediately transfer from/to.

As far as I know a recently bankrupt person will be refused credit UNLESS they "forget" to mention this by manipulating addresses etc. That is called fraud! Especially after only six months. A friend went bankrupt and he was earning 70k a year ina bank. He couldnt get credit OR a visa debit card!

For a debir card I don't see you prob. Try think bankink. They give you 2 accounts, 1 for bills & 1 for spare cash. You get a maestro debit card.

It cost £12.50 pm but they don't have any charges for any kind of returned / refused payment.

You're laughing all the way at the bank

I'm beginning to wonder why it is such a problem? I know other people who within 6 months of being bankrupt were offered credit cards etc by banks just a couple of years ago. I believe Nationwide because it doesn't have shareholders etc is very different to say Barclays or Abbey, both of which I can't think will give me an account as they are 2 companies I owed money to when I went insolvent.

I have now applied for a Co-Op Cashminder account which comes with a Visa Electron Debit Card so we will see if I'm successful.

Regards

Hi Benjamin T and everyone else,

I am in exactly the same position as you --- bankrupted, now discharged, basic Nationwide account for several years now.

Treated like a leper by the banking community though my bankruptcy was caused by that of a much larger supplier impacting so much on my small business that I had no options but to file.

Years later, now several since the discharge, I asked for a debit card and was told --- no. The reason, because they only supply debit cards with a cheque book so the debit card also becomes a cheque quarantee card, therefore they are theoretically giving credit if you use the card.

How unbeleivably stupid and shortsighted is that!!!???

Have Nationwide not noticed that the use of cheques has reduced by some 75% in recent years.

Can anyone tell me which bank will allow a current account from which direct debits and standing orders can be processed which also supplies a basic debit card so that I can purchase things without cash, on-line and at points of sale.

It's not too much to ask for, is it?

Alanb37l

Hello everyone, I went Bankrupt back in September 06 so am now discharged and have nearly updated my Credit Rating so that everything is in order. I have had a basic Nationwide account since Feb 07 but have now tried twice to upgrade my account so that I can have a debit card. I am not after an overdraft or any type of credit. Have been told by the lady at Nationwide it us unlikely I will get an upgrade. So I tried to sign up for a Smile Account online but they have declined me.