Been to Court Today

betterlatethannever

Thanks for that Fermi. I opened a Halifax account, derr i ALWAYS get it wrong.
I have a follow up type question on the boards too, didn't want to hi jack this one too long.
Thanks again

relaxsoon

dont worry betterlatethanever

im lost now ????!?!!!?!?!

wherediditallgo

betterlatethannever wrote: »

Sorry can i just hi-jack this post for a sec and go back to the first few posts about bank accounts.
I thought that if you told the OR that the account was for your everday living they 'might' not freeze it, or is that the banks decision?
The reason i ask is i've just spent weeks and many hours setting up an accoutn with another bank/bs and just finally sorted all my direct debits wages etc. I got my court date today (14/08) and am i now going to have to go through all that :eek:
Would be awkward with work too as you have to let them know before the 11th of the month if your changing accounts, as my court dates not till the 14th this is going to be a prob. OHHH god, just when i think things are gettign easier:mad:

As Posthinking said, it's the bank that freezes the account, not the OR - the OR just informs the bank of your BR status. The OR can send a fax/letter to the bank telling them he has no interest in the account & therefore no objection to you using it, but it's up to the bank whether they freeze it or not. Some will freeze it as soon as they know you're BR & then unfreeze it once the OR contacts them, but others (including Alliance & Leicester, the horrors :mad:) will not only pay no attention to the OR's letter but will subsequently close the account as they say it's their policy not to allow BRs to have accounts with them.

Any bank accounts that you have prior to going BR have to be put on your SOA, so your account may end up frozen. I suggest that you highlight your need to use this account to the OR on the day of your hearing if you get to meet with him or a clerk that day, as well as on the SOA itself to draw attention to it.

relaxsoon

Thanks for the takeover

betterlatethannever

Sorry relax. i was just adding on originally to your first question and have now started a seperate thread on MY problems,
feel free to carry on

rog2

betterlatethannever wrote: »

Dam:mad: that would mean waiting till late aug/early sept and i just want this over now i have a court date.
I suppose its time to hi-jack my daughters bank account and put wages/DD from there.
Thanks for the advice:o

Hi-jacking your daughter's account is probably the best thing to do - make sure that wages are paid into that account BEFORE you are declared bankrupt.
After OR meeting, you will know if your bank will freeze your account. If so, you can open a basic bank account, with another bank, but at least your wages will be safe. If OR asks, by all means tell him/her that your wages are being paid into your daughter's account - but only if asked.

rog2

relaxsoon wrote: »

Thanks for the takeover

I'm sure you don't mind sharing - it could be useful information for you as well.
Please to hear that it went well today - I wouldn't worry about paying for your lunch - you are entitled to eat.

relaxsoon

Thanks Rog2 ,

i am just awaiting a phone call from the OR .
anything else i need to know i need to setup new bank account

relaxsoon

Hi all ,

Just to ask when you do go bankrupt do you have to pay it all back ???

rog2

relaxsoon wrote: »

Hi all ,

Just to ask when you do go bankrupt do you have to pay it all back ???

Quite simply - No.