Any advice greatfully received

Maya

NekoZombie wrote: »

All I'm trying to say is to get a sense on perspective. This really is a very small issue.

I appreciate your replies, really I do, and I'm sorry I seem to have gotten up your nose with the whole card thing, but all I was trying to say is it is a big issue to me; I wouldn't be asking about it if it wasn't. I do respect the fact that other people have big problems with seemingly more to lose than I, But not having a card would be a big deal to me - please respect that. And I was actually trying to agree with you about the cost of the card... I think you've misread me, which is a shame. I'm not on here to try and annoy people, just to try and figure out how to reduce the worry of having debts I can't pay... sorry we seem to have got off on the wrong foot - I can see where you're coming from, just hope you can see where I'm coming from too.

Maya

Mike_St_Helens wrote: »

Howdy - Just reading through this...

Hi Im Mike ....

I think the only reason I kept my 'full' debit card was that I had been with Lloyds for years, had business accounts with them.. never borrowed from them though. When I went B I went in and stold them.. I was ushered off to a little room whilst the ' Bankruptcy expert' at my branch looked at my account, TBH I dont think she knew what she was doing. Anyhows, they put a 'marker' on my account that says dont lend, but said I can keep all the other facilities as I have bnever borrowed from them.

That was that really, Ive had new cards and cheque books since. I do think I slipped through the net mind.

Hello Mike

Thanks for that, from what others have said, seems lady luck might have just been shining on you that day...

allofadither

Maya,

I had a Next account which had a zero balance, thus not actually a creditor. I gave no details about this account in my BR but as of yesterday I found out they DO KNOW about my BR and have closed the account. Their actions are of no consequence to me but if a similar thing should happen to you with your bank account then the consequences could obviously be far more reaching.

NekoZombie

Hi Maya

don't worry, you haven't really got up my nose, and I understand its an issue for you. My point was whether it was the biggest issue *you* face at the moment, especially considering people have drawn your attention to the alternatives.

Anyway, best to leave it at that. Welcome to the board!:D

Maya

allofadither wrote: »

Maya,

I had a Next account which had a zero balance, thus not actually a creditor. I gave no details about this account in my BR but as of yesterday I found out they DO KNOW about my BR and have closed the account. Their actions are of no consequence to me but if a similar thing should happen to you with your bank account then the consequences could obviously be far more reaching.

Thanks Allofadither, that's helpful to know (although perhaps not what I *wanted* to know ) - well at least now I know there are at least some other options - my main fear before was that I'd be stuck without no card whatsoever, but it's good to know I can try the Co-Op, and if no joy there, try the pre-pay thing... all a learning curve

Now trying to weigh up the long term pro's and con's... eek...

Maya

NekoZombie wrote: »

Hi Maya

don't worry, you haven't really got up my nose, and I understand its an issue for you. My point was whether it was the biggest issue *you* face at the moment, especially considering people have drawn your attention to the alternatives.

Anyway, best to leave it at that. Welcome to the board!:D

Thanks NekoZombie