Hubbys 2005 bankruptcy

RandyRos

The court hasnt sent him a discharge letter, so he cant get a bank account. Trouble is, he's got a £50 cheque from New Vista (survey site) and no way to cash it! I have bank accounts, but none of them are joint. What can he do???

betterlatethannever

has he not opened a barclays basic account or a Co-op account
Both will allow him to pay cheques in.
He can do this without a court letter.

fermi

Or talk to the OR/court to get confirmation.

However, as said, a basic Barclays or Coop account should be available without. You're unlikley to get a full current account even with confirmation of discharge, so a basic account is probably a good bet anyway. They are for most practical purposes as good as a full account anyway.

dojoman

RandyRos wrote: »

The court hasnt sent him a discharge letter, so he cant get a bank account. Trouble is, he's got a £50 cheque from New Vista (survey site) and no way to cash it! I have bank accounts, but none of them are joint. What can he do???

The court do not send you confirmation of discharge, and if you do get one from the court it will cost you about £60.

fermi

dojoman wrote: »

The court do not send you confirmation of discharge, and if you do get one from the court it will cost you about £60.

Free if you qualify for fee remission.

dojoman

fermi wrote: »

Free if you qualify for fee remission.

I didn`t know that you learn something everyday

IF

Hi RR, it may be worth him checking his credit files too see if they need cleaning up.


Experian - Click here

Equifax - Click here

Callcredit - Click here


They are £2 each for paper copies. Some people have used the online one's and have said the information was very poor compared to the paper copies.

These will explain what I mean:-

Fermi’s, Credit Reference File Clean Up Post Bankruptcy Sticky - [URL="https://forums.moneysavingexpert.com/discussion/677875
"]Click here[/URL]

And Fermi’s thread ‘credit clean up discussion’ - Click here

Best wishes
If...x

RandyRos

thanks for the replies. he's tried twice with tsb to open a basic account but was denied. we read in the court papers that a discharge letter costs £60, which we really cant afford right now. i didnt know he might be able to get it for free. how would he go about finding out?

i expect his credit is shot to pieces, BUT he did open a Great Universal catalogue account this year, to try and restore his score. He bought a few things and paid them off immediately.

tigerfeet2006

Right....

A) Get him to ring the Co-op and open a Cashminder account. Internet banking, DD's & SO's, phone banking, use the Post Office to deposit any money. Or go in branch to Barclays to open a Cash account.

Contact his old OR's office and ask for a letter to confirm he has been discharged.

C) Follow the Credit File Clean Up as posted by IfWishes.

RandyRos

he can open an account over the phone/internet??? :shocked: we assumed it'd have to be done in person.

anyway, thank you all for your advice, I shall get him on it next week

curly04

for the co op he can
as long as he is on the electrol roll it should be ok