The Bankruptcy Club & Supporters Club

Mike_St_Helens

sandralovescats wrote:

I have already moved to a basic account so mine won't be frozen.

You were very lucky to be allowed to keep your cheque book!

I was going to do that.. Indeed on BKY day we did open one.. But as they have allowed this then, theres no point in changing.

You know, I havent ever used the cheque book thing in 3 years either !

Mike_St_Helens

scootw1 wrote:

Do they control the bank account? In other words, do they check everything you draw out etc

Again, if you have nothing to hide.. Then you wont mind them looking !

sandralovescats

Mike_St_Helens wrote:

I was going to do that.. Indeed on BKY day we did open one.. But as they have allowed this then, theres no point in changing.

You know, I havent ever used the cheque book thing in 3 years either !

You see I intended doing an IVA originally - so I had to have a bank account that was not associated with any bank I owed money to - which left the Halifax, the Abbey and Co-op. The Halifax would not allow me to just pay cash into the account, the Abbey flatly refused, so I ended up with one from the Co-op - bless 'em.

I ignored my NatWest account, moved my dd's that were essentials, like car insurance, etc.

I must admit that I haven't written a cheque for years!

sandralovescats

Mike_St_Helens wrote:

Again, if you have nothing to hide.. Then you wont mind them looking !

I think that scoot is more worried about the OR questioning what was done with the cash?

Scoot asked about having to have bank statements going back - I think they usually ask for one year's accounts, two if you are self-employed.

They do question large cash amounts taken out of a bank account or cash taken from a credit card, apparently.

Mike_St_Helens

sandralovescats wrote:

I think that scoot is more worried about the OR questioning what was done with the cash?

Scoot asked about having to have bank statements going back - I think they usually ask for one year's accounts, two if you are self-employed.

They do question large cash amounts taken out of a bank account or cash taken from a credit card, apparently.

He must tell the OR exactly what has happened with it.. They are not there to judge, just find explinations for things.

He sounds like he is clued up and is asking the right things, I think he has an IVA, so the process wont be all that alien.

Scoot.. sorry if im talking like youre not there then... Youll be fine mate.

scootw1

I havent got statements going back that far. I'd be lucky to have 3 months worth. I dont knwo all I've spent money on the last few months. Clothese, household stuff, some going out but I cant account for everything

scootw1

And yes I am in an IVA but didnt have to account for everything.

And it's okay Mike, no offence taken

sandralovescats

Well, I have my own worries and fears about this br thing too. My court date is 20/11.

To date I have told no-one about my br. Not one soul - apart from on here.

The stress is starting to kick in. I am really worried now that come the 20/11 I will be too frightened to go and walk through the door of the County Court and bottle out.

Ames

I was told by CAB when I said that I didn't have the statements going back a year that it doesn't matter, the OR will take control of my finances and be able to get them direct from the bank.

sandralovescats

scootw1 wrote:

I havent got statements going back that far. I'd be lucky to have 3 months worth. I dont knwo all I've spent money on the last few months. Clothese, household stuff, some going out but I cant account for everything

Don't worry about it! The Or can get them, no problem!

I have the last five years of my bank statements, because I was self-employed up until 13.10.06.
I don't have my cc statements, none of them


It will be okay !