I recently tried to upgrade my bank account with NatWest from a basic account to a Current account, however I was refused due to a previous bankruptcy (removed from credit file March 2013 after 6 year period). Because they were aware of the bankruptcy (when they did a search when I opened the basic account) they stated that they would not be able to help. I attempted to open a bank account with HSBC but came across same issue as I included an overdraft in my bankruptcy. It now seems that all banks (only confirmed with 2) that I have been associated with during and after discharge have black listed me (my words not theirs but no mention of when I may be accepted again). Strange that I actually thought that after 6 years and a clean credit file (with all 3 CRA's) I would not be penalised for this, but it seems that is not the case. I would love to hear your comments/advise on this as it seems extremely unfair. The funny thing is I have successfully opened a current account with First Direct (Part of HSBC group).

Hi I have a quick question I was hoping someone can clarify for me. Can a creditor/debt listed in my bankruptcy have a default date that started after my bankruptcy? I am due to complete 6 years at the end of this month and have just signed back up to one of the credit agencies to make sure everything is in order (I did this when I was first declared bankrupt and had to contact a number of them providing my bankruptcy order and relevant page of my 'statement of affairs'). One of my creditors has a default date of September and not March which is the month of my bankruptcy. I believed all listed debts should have same date as bankruptcy, can anyone offer any information on this?