its now or never!!!

chunkyu

i can't find any of my bank account numbers, i don't used my natwest account any longer, i have my wages paid into my girlfriend account. what do i do?
i have account numbers on the letters from the debt management, but not everyone i owe money to.
i'm getting worried, stressed, i've been running away from it for so long

chunkyu

what do i put in the bank account box on the insolvency form? do i just put the name of the bank

jenni75

As long as you know who you banked with, the OR can get the account details etc. Not definately sure, but perhaps you can if time permits (not sure how long it takes) you would be able to get a credit report on one of the 30 day free trials, think it is experian but hopefully someone will be able to confirm. That report should show to whom you owe any money.

jenni75

chunkyu wrote: »

what do i put in the bank account box on the insolvency form? do i just put the name of the bank

yes, if no account number to hand, just the bank

chunkyu

i tried to get a credit report but since i have no debit/credit card i have no way of paying for it, and when i tried paying for it with someone else card they refused it what can i do?

jenni75

I believe you can send a postal order to pay a one off fee, you would need to check the experian website as I am not sure what terms and conditions they have, but many years ago I know we paid something like a £2 chq for a report.

fiveyearplan

Yes, you can send a cheque or postal order and all that information is found on the credit file clean up sticky (all addresses etc.)

chunkyu

is there no way i can do it any quicker

philnicandamy

chunkyu wrote: »

is there no way i can do it any quicker

if you dont have aredit/debit card then the only way you can apply is how others suggested

I sent postal orders to all three agencies & received my files in less than a week, so pretty quick really

chunkyu

i just don't know what im doing, i have the money needed for the bankruptcy.
but feel like im drowning with al the details i need to give. the moe i try to remember the more i can't seem to recall.
the OR interview scares me, when i feel under pressure i an't get my words out and forget things.
does anyone have any tips?