Hi fedupwithbanks,

my dad went bankrupt about 15 years ago, so I know how tough things can be, but he has a mortgage, current account etc so there is light at the end of the tunnel, as the bankruptsy does not show on your credit record nobodys going to know unless you tell them, so go to another bank apply for a current account and nobody will be the wiser. you have served your time and you have cleaned your record you should be more than entitled to a full current account Im pretty sure the bank only asks the question for there own peace of mind

Hi,

Nemo,

As Carlos says ... the bankruptcy does not show on any of my credit reports as it was removed after the six year period (I have checked of course) that's how come I got the Capital One card. Yes the interest is high, but I don't actually need credit, so I spend a bit on it and pay it off each month. The idea is simply to build creditworthiness again.

Carlos,

No the bankruptcy does not show and my account with them (Gold deposit account) has been run perfectly for seven years now. It is always that one question on the application that gets me "Have you EVER been bankrupt" As the application is always done in the branch with a manager who knows my circumstances, saying NO isn't really an option. I think I might now try another bank and lie. Otherwise I see no way ahead? I just hope it has no real standing in criminal law and is simply a bank form question that is not too legally binding. Despite many peoples notion that ex bankrupts are untrustworthy (not mine I hasen to add), I have never lied on any form, application or whatever. In fact I'm the most honest person I know ... perhaps that's why I'm not a millionaire?

FUWB's

N3emo,

Capital one charge a phenominal 30%+ apr on there cards so are much less stringent on who they give there cards to, a mix of low credit limit and high interest rate is how they do it good for building good credit if you pay them in full every month. I had clean history but 0 credit so took one for 6 months paid it in full every month then managed to get a barclaycard platinum good credit limit and only 14.9% apr.

fedupwithbanks

Im amazed after 6 years RBS will still not give a current account with credit facilities, is the bankruptcy still showing on your credit reports? have you checked all three experian equifax and callcredit? if it does not show on your reports then why should you mention it, as when they search you they wont find it although not sure about the legalities. have you tried any other bank other than the one your with you seem to be doing the right thing and keep up the good work

I declared myself bankrupt in 2001 as a result of the Foot and Mouth outbreak back then. Now, seven years later I still can't get a normal current account with a debit card, let alone any attached credit facilities. My bank (RBS) refuses my application as soon as the dreaded "have you ever been bankrupt?" question appears. Despite the fact that I've have a regular £2-2500/month payed into them for seven years and run an immaculate account, they still will not upgrade me. I'm a married self employed farm manager, have no debts (obviously) and earn around £30k with free accomodation, so I'm not on the breadline or anything. My credit reports all show no problems except the lack of credit agreements (I have had a Capital One card now, but for only 4 months so far). However, to a certain extent the credit report is immaterial as I'm turned down as soon as that dreaded question appears. The bankruptcy is gone from my record but with that question truthfully answered it will always be there. Do I have to say "yes" by law? If so, what do you recommend?

Thanks