The Bankruptcy Club & Supporters Club

rog2

Chilli wrote:

HI Mike,

I got declined by the Co-op too, and that was before I went bankrupt! I was really upset about that, but I'm now waiting to hear from Barclays, and if they refuse I'm off to Nationwide to see what they'll do. In the meantime - I'll be getting my money paid into hubby's a/c.

I have applied for 3 basic accounts - Co-op, Halifax and Nationwide in case I am rejected by one. Other reccomended was Nat West step account, but according to FSA they don't take undischarged bankrupts

gettingitsorted

I managed to open a co-op cashminder account a couple of weeks before i was advised to file for bankruptcy so i dont know how this will now affect me .it is a joint account with my husband who is just starting a dmp so his salary and my childbenefit are being paid into it and the dd's for our priority bills are taken out of it too.

rog2

gettingitsorted wrote:

I managed to open a co-op cashminder account a couple of weeks before i was advised to file for bankruptcy so i dont know how this will now affect me .it is a joint account with my husband who is just starting a dmp so his salary and my childbenefit are being paid into it and the dd's for our priority bills are taken out of it too.

Hi GIS,

I would strongly reccomend that you change the account from a joint account, to just your husband's name as there is a possibility that the joint account may be considered as 'financially linking' you with your husband.

davethecue

Hi all
Does anyone know/understand reasons for co-op cashminder account being turned down. They accepted me . I was totally honest/open with them about being bankrupt, I'm not on the electoral roll and my address is not on the post office address finder !! Maybe they felt sorry for me......
I can't understand how I got one and a few of you are failing. I must be an A************ in people not to give financial products to
Very odd

sandralovescats

davethecue wrote:

Hi all
Does anyone know/understand reasons for co-op cashminder account being turned down. They accepted me . I was totally honest/open with them about being bankrupt, I'm not on the electoral roll and my address is not on the post office address finder !! Maybe they felt sorry for me......
I can't understand how I got one and a few of you are failing. I must be an A************ in people not to give financial products to
Very odd

Have you checked your cra stuff? The only reason I know of is if fraud is involved.

gettingitsorted

rog2 wrote:

Hi GIS,

I would strongly reccomend that you change the account from a joint account, to just your husband's name as there is a possibility that the joint account may be considered as 'financially linking' you with your husband.

Thanks for that Rog the only trouble there is that is been put on my bankruptcy petition already as being a joint account

sandralovescats

gettingitsorted wrote:

Thanks for that Rog the only trouble there is that is been put on my bankruptcy petition already as being a joint account

Have you already submitted your forms? The Court told me not to send or print out the forms until the day before, so that they were up-to-date.

If you can possibly do it, separate your bank details - fast - or open a cashminder account or similar asap.

gettingitsorted

Hi sandra ,

filled my petition in online and printed it the same night so i dont think i can change them now ,to be honest since filling in the petition am having a nightmare as we have now worked out that im basiclly working for nothing as my wages are £500 pcm and my childcare costs are £400 pcm so am now in a bigger mess than i was before

Mike_St_Helens

Ive just checked my file ... There is a CIFAS on there from the proson who lived here before me. Im reackoning this is the reason.

Any suggestions anyone ?

severussnape

hi everyone

have any of you tried abbey. i know i said before that the account was in my name primarily but a friend who both her and hubby went b opened account there no problem it was her that suggested it to us.

we were told not to open any accounts before the bankruptcy but then again we didn't have to have an appointment hubby just turned up at the court and hey presto he was b.