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Hubbys 2005 bankruptcy
Comments
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I opened my Coop account over the phone and I'm not even on the elecoral role - I suppose I had enough debt in my name registered at this address for them to easily identify me!!
I agree with all the posts above, he can get a letter from his OR to say he has been discharged and this wouldn't cost anything - even if he manages to open a bank account its a good idea to get the letter for anything else that may come up. I needed one recently, can't remember why, and I was glad I had the letter from OR.
:j :j
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right, co-op it is then!
sorry for seeming dense, but exactly HOW can he get the discharge letter for free, when its supposed to be £60??If you can't say anything nice, don't say anything at all
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fiveyearplan wrote: »I opened my Coop account over the phone and I'm not even on the elecoral role - I suppose I had enough debt in my name registered at this address for them to easily identify me!!
:rotfl:right, co-op it is then!
sorry for seeming dense, but exactly HOW can he get the discharge letter for free, when its supposed to be £60??
I think what is being said is the court will charge you £60, but the OR's office probabley wont.
Correct me if i'm wrong (as usual:D)I'm no expert, but i'll give you my opinion, my support and my experience. Its all i have.
Delcared BR 28th May'10 - Married 30th April'11 - Auto Discharged 28th May'11 - Life Changing0 -
what you can get for free is a letter from the OR stating that you have been discharged
What you get paid for from the court is a sealed certificate stating you have been dischargedHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
And unless banks/creditors are being deliberately awkward, the letter in usually enough.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
If it's desperate to cash, you can always take it to a cheque cashing place? They charge a fee of course, but it's a quicker way of getting the cash.0
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ah, right, i see. thanks. i will write to the OR and get the discharge letter from them then. with the letter, he can go to any bank?If you can't say anything nice, don't say anything at all0
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It would be upto the relvant Bank to decide.
Just because you are discharged doesn't mean you can have any account.
The Co-op & Barclays will give you a basic account (i'm co-op) even without the discharge letter.
Best of LuckI'm no expert, but i'll give you my opinion, my support and my experience. Its all i have.
Delcared BR 28th May'10 - Married 30th April'11 - Auto Discharged 28th May'11 - Life Changing0 -
oh, right, thanks. i think we may go to barclays then, cos the nearest co-op is 15miles away! anyone have any ideas about the post office? hubby thinks he can get an account with them...If you can't say anything nice, don't say anything at all0
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I dont know, you can but apply I'm no expert, but i'll give you my opinion, my support and my experience. Its all i have.
Delcared BR 28th May'10 - Married 30th April'11 - Auto Discharged 28th May'11 - Life Changing0
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