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Basic bank accounts
I'm asking this out of curiosity because I've been post BR for a while and am sorted out, but it may be of interest to those just starting the process. I went BR and as Barclays were a major creditor I did not even consider them for a basic account as I'd have been laughed out of the branch! Opening up with the Co-op was…
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Gone past 6 years (Yay!) But "settled" account problem
Having finally reached my 6 year anniversary :j I was disappointed to see that I have two accounts (bank accounts that had overdrafts) as still on my Experian record. They are both listed as settled, but on the date of my discharge, so all the late payments are still showing from over 6 years ago, and I am worried this…
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utilites
a quick question regarding utilities. I have debts with E-on of around £1200 they provide both my gas and electric, would I be best letting E-on putting a pre payment meter in now with the debt on the meter and hopefully when i finally go bankrupt they will let me carry on being with them and just have the debt wiped from…
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SOA Again :(
My partner was made redundant so now is only on £71 a week JSA. We do get housing benefit and council tax benefit. Can you please check over my SOA ready for bankruptcy. I know there is a huge surplus so im expecting in IPA. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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Soa
Hi We are thinking of going into bankruptcy after being in an IVA for a couple of years. Our circumstances have changed and I no longer earn very much money and can't afford the IVA repayments. Does this SOA look suitable for bankruptcy? Thanks Statement of Affairs and Personal Balance Sheet Household Information Number of…
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Could someone please put my mind at rest!
Hi On Monday after years of struggling with personal debt I took my SOA etc along to the crown court and was accepted. I walked away from the court with my Bankruptcy Order signed and stamped. I had a mixture of relief but anxious feelings as to what was to come. I have had a few calls from my OR's office and have been…
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Can anyone confirm a bankruptcy definitely disappears after 6 years?
I'm sure this has been asked before, but I haven't been able to find the exact answer, so I apologise in advance if this is a duplicate! I keep reading about the "6 year cut off", whereby things drop off your credit report after 6 years.. Thing is, some people say this is 6 years from the date of bankruptcy, some say it's…
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bank accounts for BR
right just going over everything here but i was always under the impression if i did go br i would be ok with a bank account becuase of the co-op cash minder but after digging a bit deeper on here i belive they have now "pulled" this account and no longer take on bankrupts? this is a bit of a concern as the only other is…
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COC what do I need to send??
Hi Just a quick question - I am looking at moving in the next couple of months. I have an IPA which is dealt with my moonbeever. I know that when I do move I will have to submit a new SOA to them, but was wondering what else they will require - will I have to send tenancy agreement proof of bills etc. If so, what do I do…
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Worries over Basic Bank Accounts
And the worst offenders are RBS and Lloyds, the two banks owned by us, who are withdrawing access to cash machines for basic bank account holders http://www.bbc.co.uk/news/business-20169361
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Co-Op Standing Orders
Does anybody know how long before the a standing is due to go out the money has to be in the account, have a standing order going out Monday and ideally will transfer money into the account on Sunday
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Joint bank account closure. Help???
Hi All I wrote to halifax about 2 weeks ago requesting mine and my OH joint bank account be closed in preperation for my bankruptcy hearing this Monday. There is an overdraft on the account which I requested a bill be sent to my husband for the amount; the letter had both of our sigs on it and there is an overdraft which I…
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Renting after Repossession - do i tell mortgage company?
We were give a repossession order from the court for our house for 30th October...we moved into rented property on 26th October and have been checking the old house for post and can still get in...do I have to ring the mortgage company to tell them we have moved out and give them our new address?? Also we have received a…
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How long do I need to keep informing people I was declared BR?
I can't seem to find a set answer for this!! Does anyone know how long I need to keep informing people I was declared BR? I asked have I ever been declared BR do I always need to declare Yes? I was declared BR back in March 07 and discharged March 08! I only ask because I am trying to sort Public liability insurance for a…
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Bank charge refund and discharged bankrupt
This morning I received a letter from RBS concerning an account that was closed in 2007 following my sequestian, with details of a refund Im entitled to due to bank charges. This has come out of the blue, without any claim on my part. The letter says because Ive been made bankrupt (even though I was discharged 2 years ago)…
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Well here is my SOA since i'm considering bankruptcy
Considering bankruptcy.... Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 [due within 6 weeks] Number of cars owned.................... 1 [work car - insurance, fuel etc paid as part of takings, thus not included in…
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Exploring bankruptcy - high earner
Hi guys, Firstly, apologies to others on this forum who are in a more dire situation than myself, and already dealing with bankruptcy as their last and only option; and I wish you all the best. My situation is a bit complicated. In a nutshell, I earn a lot, and I spend a lot on credit, I have high revolving credit card…
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would a company make you br...
Hi wel basically i owe £15,830.22 after getting everything together this morning The most is to BARCLAYS witch is £12,000 And then capital one of £1881 The rest is made up of smaller 2-400 debts with varoius companies I currently have no income,lost job went self employed its not worked out in a nut shel (see my other…
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ROI Banks
Can banks in the Republic of Ireland run UK credit checks on customers?
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Changes in Circumstance
I know we have to update the OR with changes but, for example, would they need to know about pregnancy in advance or only when income is going to change? I'll be on mat leave a little while longer, then normal pay (which is very little more, about £80per month) for 3 months before going back on mat leave again. Do I just…
