The Bankruptcy Club & Supporters Club

scootw1

Looking at the wording of the reply I just posted, presumably that would mean any creditor not just friends as long as you tell them you are undischarged. Maybe I am reading it wrong

sandralovescats

Yes Scoot it means any creditor.

As an undischarged bankrupt you would not get a credit card, or similar.

As a discharged bankrupt I would have thought that it would be nigh on impossible to get a credit card or similar.

Mortgages, yes, at a price, because they are secured loans.

gettingitsorted

Its not the OR that decides to freeze bank accounts its actually the bank!

so if the bank do not freeze your account and decide yes you can continue using your card or cheque book then thats up to them hence why mike has been left with his.

scootw1

Oh right. I thought it was the OR. Well, if Nationwide say I'm okay then that should be fine and maybe they will set up the DDs again from their records, you never know

sandralovescats

However, the OR can choose to tell the bank if he has no interest in the account.

When someone has benefits paid into one specific account, the OR will iknform the bank that he has no interest in that account.

When I applied for my basic bank account I had a perfect credit history, no defaults, no missed payments, nothing. A cheque book was still not allowed, and the first bank I went to was Lloyds!

Most banks do not allow an undischarged bankrupt to have a cheque book!

monkeyy

Havent been on for a while,been a hectic week but finally filled in my forms and take them to cab to have them checked over.
Have left a few areas blank like the reason for bankruptcy section, Is it a good idea to put depression as a part reason to my situation?

thanks in advance

Hope everyone else is getting on, will have a proper sit down and catch up on what ive missed this evening

scootw1

I put down bullying leading to depression and spending as one of my reasons on the IVA and will put it down for bankruptcy as well

mboro

Hi Peeps, Today I recieved my forms from the CCourt to fill in. WOW lots of forms but I will get through them in time.

The thing I hate is the payment of fees GRRRRR. Im in debt, as are most others so were do they think peeps can find that kind of money????

Anyway I am thinking of filing for BR after Xmas when I will have the money to pay the fees.... and in the meantime try to open another bank account or will they close that one to???

Im really sorry that I am unable to offer advice in this forum, all I seem to do is ask questions.

sandralovescats

You really need to wait until the day of your bankruptcy to open another bank account UNLESS your income is all State Benefits, in which case you can do it now.

sarah_skint

mboro - its fine ask away half of this thread is me asking questions, its just great that someone can help.