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Unfreezing an account?? Urgent!!
homeschooler
Posts: 52 Forumite
Hi
I have finally managed to get through to Working Tax Credits after trying for a couple of days and it is too late to stop the payment going into my HSBC account for Thursday. They have agreed that in future they will send a giro until I have my bank details for my coop cashminder account I am opening.
The problem is that the account the money will go into on Thursday will more than likely have been frozen by then as I went BR yesterday. Will the OR unfreeze it do you think as I have to have this money for essential living costs like groceries etc. The account it is going into didn't have an overdraft facility but HSBC is one of my creditors so could they keep hold of it.
Sorry if this is a bit rambly I just desperately need to be able to get at this money or I don't know how we will manage this week
I have finally managed to get through to Working Tax Credits after trying for a couple of days and it is too late to stop the payment going into my HSBC account for Thursday. They have agreed that in future they will send a giro until I have my bank details for my coop cashminder account I am opening.
The problem is that the account the money will go into on Thursday will more than likely have been frozen by then as I went BR yesterday. Will the OR unfreeze it do you think as I have to have this money for essential living costs like groceries etc. The account it is going into didn't have an overdraft facility but HSBC is one of my creditors so could they keep hold of it.
Sorry if this is a bit rambly I just desperately need to be able to get at this money or I don't know how we will manage this week
Made Bankrupt on 28/7/08 with debts of £39,437
OR interview was on 30/7/08
Dh going bankrupt early 2009.
OR interview was on 30/7/08
Dh going bankrupt early 2009.
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Comments
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Contact the OR office ASAP "if" the account is frozen it's usually the banks that do that NOT the OR although the OR can easily release any funds from the account pretty quicklyWe all die. The goal isn't to live forever, the goal is to create something that will0
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If the account does get frozen, then you need to contact your OR.
They will normally call/fax the bank to instruct them to release to you any funds that you need for day to day living.
EDIT: Snap Phil.
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Snap with you as well Waspese.
I saw that post. 
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
.. damn .. thought i'd got away with that one .. :hello:Save a little money each month and at the end of the year you’ll be surprised at how little you have.An eye for an eye only ends up making the whole world blind0
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Nope......;)We all die. The goal isn't to live forever, the goal is to create something that will0
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:rotfl: :rotfl:
Note to self *delete quicker or not at all in future*:D :hello:Save a little money each month and at the end of the year you’ll be surprised at how little you have.An eye for an eye only ends up making the whole world blind0 -
Thanks fermi & phil.
The OR's office opens at 10 so I'll phone them and get them to help make sure that I can get it when it goes in on Thursday.Made Bankrupt on 28/7/08 with debts of £39,437
OR interview was on 30/7/08
Dh going bankrupt early 2009.0 -
Sounds like a plan.....let me know how things go
Phil We all die. The goal isn't to live forever, the goal is to create something that will0 -
You might be ok anyway and be able to get the money out as my OR took about 3 weeks to tell HSBC about me.:cheesy: K2nga :cheesy:
BSC Member 176
BR 23/06/08
ED 22/01/09
Credit file BR fall off date: 24/06/14 :beer:0 -
You might be ok anyway and be able to get the money out as my OR took about 3 weeks to tell HSBC about me.
Same here. It took about a month for my Nat West accounts to get closed You can't control everything in life....... your hair was put on your head to remind you of that
Proud to be BSC no. 1030
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