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The August 2009 Bankruptcy and DRO club.

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Comments

  • 1967vike
    1967vike Posts: 10 Forumite
    hi went bankrupt monday 24th after failing my iva due to redundnacy.

    Big worry is my bank account with halifax its an easy cash account so very basic - OR said he will tell halifax he has no objections to keeping account and told me not to worry - but their terms and conds say they will close the account.

    I believe that leaves 2 options coop - who have declined me( i had a credit card with them) and barclays - my mbna credit card is now owned by barclays and I afraid they will decline me - can I really be left without a bank account - my new employer pays me every friday - help dont know where to turn any experience of this out there?
  • Angiepange
    Angiepange Posts: 3,521 Forumite
    Part of the Furniture Combo Breaker
    larzie30 wrote: »
    In court at 9.20 tomorrow, my stomach is in knots and has been for two days. Well done to all that have already been through this

    L

    Good luck for tomorrow Larzie, I felt like you before my BR court day but I can honestly say it was so different to what I expected. Friendly,professional,non-judgemental, everyone there to help you.

    Take care and let us know how it goes :grin:

    Angie x
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    1967vike.....co-op DID change their T&C's a while back so yep if you had them as a past creditor they will refuse an account....BUT barclays will give a basic account to bankrupts that have had previous debt with them...they offered me an account & they were one of my biggest creditors

    And.....GOOD LUCK Larzie everything will go fine!
    We all die. The goal isn't to live forever, the goal is to create something that will
  • DON79
    DON79 Posts: 3,842 Forumite
    Best wishes for tomorrow larzie30! Hope it all goes smoothly for you.


    :D Welcome to 1967vike and congrats on your BR. I would definitely recommend changing bank accounts asap from the Halifax to Barclays Basic account, Halifax are definitely not BR friendly.

    Some others have managed to open a savings account with the Yorkshire Bank, they are happy to let you have their web account which comes with a cash card so that could be another option for you if Barclays won't let you have an account.

    Best wishes

    Donna :D
    BSC #215/No.1 Jan 09 Club
  • So_Sad_Angel
    So_Sad_Angel Posts: 7,363 Forumite
    larzie30 wrote: »
    In court at 9.20 tomorrow, my stomach is in knots and has been for two days. Well done to all that have already been through this

    L

    Good Luck L.....be with you in spirit Hun...hope the today goes OK ...try & stay calm.

    Angiexx
  • fiveyearplan
    fiveyearplan Posts: 10,145 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Angiepange wrote: »
    Hi All

    OR phoned this morning, he has booked me and DH in for face to face interviews next Wednesday afternoon. 1 hour slots each.

    Now I am feeling very nervous :eek: I just hope my brain doesnt turn to mash. Will be so glad to get it over. Hows everyone else doing?

    Angie x
    Don't worry Angie, if you can't remember anything just say so.

    :j :j


  • YamahaR6
    YamahaR6 Posts: 113 Forumite
    Can I join? BR as of 10:30am today :) And breeeeeeeeeeeeathe......!!
    BR as of 10:30am on 27/08/2009
    Proud BSC member #285
    Countdown to AD 27/08/2010
    "When you do nothing, you feel overwhelmed and powerless. But when you get involved, you feel the sense of hope and accomplishment that comes from knowing you are working to make things better."
  • larzie30
    larzie30 Posts: 233 Forumite
    Part of the Furniture Combo Breaker
    done it at 10.50 today!! phew
    Bankrupt 10.50hrs 27th August 2009. Big fan of this forum because people are so helpful.
  • Angiepange
    Angiepange Posts: 3,521 Forumite
    Part of the Furniture Combo Breaker
    Angiepange wrote: »
    Hi All

    OR phoned this morning, he has booked me and DH in for face to face interviews next Wednesday afternoon. 1 hour slots each.

    Now I am feeling very nervous :eek: I just hope my brain doesnt turn to mash. Will be so glad to get it over. Hows everyone else doing?

    Angie x

    Got letters thru from OR office this morning. My Dh took call from OR yesterday re interview next Weds, now he just heard the words INTERVIEW and NEXT WEDS and presumed we had to go to office. Been stressing about it all night, only to open letters this morning stating we are having a TELEPHONE interview!!

    Still stressed but slightly relieved we dont have to go in :o
  • DON79
    DON79 Posts: 3,842 Forumite
    :j congratulations and welcome to YamahaR6 and congratulations to Larzie30! :j

    And to Angiepange also, best wishes for your OR interview. :D
    BSC #215/No.1 Jan 09 Club
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