Advice about AIB in Scotland

broxiebear1

broxiebear1 wrote: »

here s my story so far
after years of struggling to pay credit cards etc robing peter to pay paul i stopped paying my debts last january 2010 after missing one payment and after recieving a phone call DEMANDING THE PAYMENT threats etc i decided to do something about it so contacted national debt line and they advised br wanted a second opinion so contacted money advice scotland again advised br both said that as i didnt qualify for lila i would have to wait for a charge for payment , so the phone calls started about 8 to 10 a day phoned my work but office staff were very helpfull said i couldnt recieve private calls so they more or less stopped then i changed my phone number no problem told bt i was recieving nusiaance calls .the letters came threatning this and that filed every one AND THANKS TO HERE AND THE WONDERFULL PEOPLE ON HERE i didnt panic as you would if you didnt know what to do. bump bump bump
charge for payment came exactly 1 year later mind you it was from council NOT debt collectors. so i went to moneyadvice and they filled in forms for me when i looked at them they wernt really hard to fill in only hard bit was dates for debt and i found exact date with EXPERIAN 30 days free then you can cancell before 30 days are up
i took forms to AIB payed £100 and they checked forms to see if ok and informed me that i should get word by end of week
thats me so far
to be continued
broxie ps ( forgot to say you dont need to wait for charge for payment now you can get a letter of sequestrian from cab or any money advice councilor now )

bump bump bump

GREEDYGUTS

broxiebear1 wrote: »

here s my story so far
after years of struggling to pay credit cards etc robing peter to pay paul i stopped paying my debts last january 2010 after missing one payment and after recieving a phone call DEMANDING THE PAYMENT threats etc i decided to do something about it so contacted national debt line and they advised br wanted a second opinion so contacted money advice scotland again advised br both said that as i didnt qualify for lila i would have to wait for a charge for payment , so the phone calls started about 8 to 10 a day phoned my work but office staff were very helpfull said i couldnt recieve private calls so they more or less stopped then i changed my phone number no problem told bt i was recieving nusiaance calls .the letters came threatning this and that filed every one AND THANKS TO HERE AND THE WONDERFULL PEOPLE ON HERE i didnt panic as you would if you didnt know what to do.
charge for payment came exactly 1 year later mind you it was from council NOT debt collectors. so i went to moneyadvice and they filled in forms for me when i looked at them they wernt really hard to fill in only hard bit was dates for debt and i found exact date with EXPERIAN 30 days free then you can cancell before 30 days are up
i took forms to AIB payed £100 and they checked forms to see if ok and informed me that i should get word by end of week
thats me so far
to be continued
broxie ps ( forgot to say you dont need to wait for charge for payment now you can get a letter of sequestrian from cab or any money advice councilor now )

Local cab said to me they did not issue letters of sequestration at present

neilscot44

GREEDYGUTS wrote: »

Local cab said to me they did not issue letters of sequestration at present

I didnt have no letter of sequestation, made no difference.
I filled in the new bancruptcy booklet for going Lila, took it into cab who checked it, then paid the £100 into the bank account and posted off the booklet and some other info like copy or house rental agreement, and any other stuff that was asked for. The booklet explains it all. I then sent it recorded delivery.

broxiebear1

GREEDYGUTS wrote: »

Local cab said to me they did not issue letters of sequestration at present

if greedyguts cant go down lila route then he either has to wait for a charge for payment before he can go br ( but i thought you could get letter of sequestration from cab or moneyadvice scotland as of 15th dec ) i had to get cfp before i could go br

broxiebear1

bumping for ready

ready2faceRealityx

I'm just wondering what paperwork everyone sent in?

I've had slightly contradictory advice between "Send in everything you've got" and "The AIB will not thank you for bombarding their inbox" I've prepared the latest statements from creditors, bank statements, my tax credits notification, the tenancy agreement of the house I'm staying at (just to prove I'm not on the agreement) um, but not sure what else - other than a detailed covering letter - is necessary?x

broxiebear1

ready2faceRealityx wrote: »

I'm just wondering what paperwork everyone sent in?

I've had slightly contradictory advice between "Send in everything you've got" and "The AIB will not thank you for bombarding their inbox" I've prepared the latest statements from creditors, bank statements, my tax credits notification, the tenancy agreement of the house I'm staying at (just to prove I'm not on the agreement) um, but not sure what else - other than a detailed covering letter - is necessary?x

i didnt send a covering letter but i didnt go br lila what you have is about it is there not a checklist on br form at back you tick what you are sending

ready2faceRealityx

Oh, the money advisors both advised a detailed covering letter just to give a bit more 'credence' to the case I think, I changed my surname (post abusive relationship with the man that started this crazy debt spiral) a few years ago, & I obviously wouldn't want the AIB to think it was in any way an attempt to commit some sort of fraud - although it's clearly declared on my Experian & Equifax report, so hopefully it doesn't look at all 'dodgy' haha! Also, I went back to England for a few months & stayed with family, I wasn't sure whether I was going to return to Scotland so had all my post changed to my Dad's address over that period - I'm back up here now, but it means that some of the last few month's bank statements/creditor letters are at a different address to the one on my application. I just thought that it'd be best to be proactive & explain it all at the beginning of the application process, to hopefully stave off later confusion. Tis the theory anyway! Haha x

hattybee

They want much more information now (after 15 November 2010) than they did.

They may ask for payslips, any HP/credit agreements, any insurance policies. If they need anything else, they should (in theory) just ask you for it.

They will probably ask for details of anywhere you've lived in the past 5 years at your interview (if your application is OK), so you will be able to explain about living with your Dad.

MadamKittyKat

Bump for those that need it.