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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).

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