Hi,

Has anyone else experienced difficulties obtaining a standard current account 6 years after bankruptcy? I am not referring to a basic bank account. I already hold one of these but my credit report is now clear of any information relating to my previous bankruptcy, in fact my credit report reads like a dream i.e. any credit agreements I have are up to date, there are no late payments or defaults and yet my bank recently turned me down when I attempted to upgrade to a current account?

The reason I would like an upgrade to a current account is because my partner and I are looking to obtain a first time buyer mortgage (didn't own a home of my own at the point of bankruptcy) at some point this year and I believe that a mortgage provider would look upon my application more favourably if I have a current account rather than a basic version.

I should also point out that I have a very healthy balance in my basic bank account (this is the deposit for my mortgage) although the bank wouldn't know this. I appreciate I could just apply to another bank but I don't want to switch banks now because this would affect a mortgage application?

I have appealed against the decision undertaken by my bank and have provided evidence by submitting a copy of my credit report.

Can anyone offer any advice if the appeal fails though? Is this standard practice? Feel a little bit like I am being made an example of and to coin a phrase 'I have well and truly served my time'.

Many thanks,