Bus Pass Decline for Bankrupts

emmarbos

I can't actually believe this!!!

I recently applied for a National Express West Midlands Travel Card. As a day saver is £3.90 (£90 a month) and a bus pass is £49.50 a month.

Due to my bankruptcy I had a letter declining my bus pass because of credit score!!!! That is just ludacris!!!!

I believe gas, electric and water are the same, quarterly bills. So you would loose your direct debit discount!!! Basically you get screwed left right and centre for being bankrupt. When all you want to do is get back on track and start being responsible with money again!!!!!

Fuming.com

pauletruth

i assume this is paid up front if so complain. if instalments then its credit and they are right.

macman

So you didn't realise that going bankrupt would affect your ability to get credit? Whatever your future intentions, your bankruptcy makes you a very bad credit risk.
Can you not buy a monthly pass using cash/cheque/debit card-why do you need credit for it? Travel passes are normally bought annually/quarterly/monthly as required, not on credit.

maginot

I know this sounds harsh, but there have to be serious consequences to becoming bankrupt. Otherwise no one would pay their debts back.

Unfortunately this means it is extremely difficult to get credit (may get easier as time passes and defaults are no longer on your credit history).

Therefore if you're not buying the pass in advance, but want credit they are not going to do this. They are not refusing to sell you a pass because you are bankrupt, they are refusing to give you credit to buy the pass.

makeyourdaddyproud

emmarbos wrote: »

...That is just ludacris!!!! ...
Fuming.com

I haven't seen any rappers on my bus route recently...

tealady

A four weekly one is £55.50 per the TWM website, you may be able to buy one at ticket outlets for cash.
HTH

emmarbos

Managed a way round it now, other halfs put it in their name. And yes it's money up front, same as sky or virgin.

It is frustrating the restrictions, loads cc hire purchase an mtgs yes but dd's is taking it a bit far

Make your daddy proud, lol I'm a bankrupt and I can't spell lol

MikeJO

emmarbos wrote: »

Managed a way round it now, other halfs put it in their name. And yes it's money up front, same as sky or virgin.

It is frustrating the restrictions, loads cc hire purchase an mtgs yes but dd's is taking it a bit far

Make your daddy proud, lol I'm a bankrupt and I can't spell lol

So they did a credit check on you when you weren't asking for credit?

Strange.

macman

emmarbos wrote: »

Managed a way round it now, other halfs put it in their name. And yes it's money up front, same as sky or virgin.

It is frustrating the restrictions, loads cc hire purchase an mtgs yes but dd's is taking it a bit far

Make your daddy proud, lol I'm a bankrupt and I can't spell lol

Is this simply a scheme whereby you purchase an annual ticket and pay it back in 12 monthly instalments? If so, you are obtaining credit-what did you think it was? Any goods or service where you require credit are now doubtful-surely you realised this when you agreed to go bankrupt?

emmarbos

No no no it's a monthly pass. The first payment is paid and they send out the pass. So you prepay a month

MikeJO

macman wrote: »

If so, you are obtaining credit-what did you think it was? Any goods or service where you require credit are now doubtful-surely you realised this when you agreed to go bankrupt?

That's really not the case I'm afraid (though it seems some would like it to be).

I went BR in 2010 and continue (without interruption) to pay by monthly installment for gas, electric, TV license, car insurance, breakdown cover, council tax, water rates, phone, broadband and mobile phone. I've also changed providers on more than one occasion without problem.

Seems absurd to me that pre payment is being refused on the grounds of BR.