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Filling in forms

I am in the process of filling in my BR forms. I really have little idea when my most recent loan started as it was renewed/consolidated several times over and no clue when i got my credit cards. My banks have handed over my debts to various companies and therefore my online accounts etc are not available. What do I put for the date incurred?
Also when filling in the income part-I am currently on Maternity Allowance so I presume that's the figure for my income?
Thanks in advance for any help you can offer!
Also I have a basic co op account-would I be able to keep this once I'm bankrupt?
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Comments

  • Hi, have you tried signing up for the noddle free credit report? I was able to find out all of my account start dates from mine :). It's worth a try anyway as it's free.

    You should be fine with your co op account as long as it's the basic cashminder account. Maybe it would be an idea to pop into barclays though to open a cash account as a backup just in case!

    H x
  • Haitch33
    Haitch33 Posts: 62 Forumite
    edited 30 July 2014 at 6:10PM
    Thanks for your reply glad my co op should be ok. :-)
    Now been successful with noodle!
  • Haitch33
    Haitch33 Posts: 62 Forumite
    When filling out BR forms do you use the actual bank addresses or collections companies if they've been passes on?
  • egrescrimp
    egrescrimp Posts: 573 Forumite
    I personally put down the company who owned the debt, so if the debt was sold to a debt collection company I used their details but if hadn't been sold, I used the original creditor.
  • Filling in the forms as accurately as possible is good as it means there may be fewer questions from the OR afterwards. But if you are unsure of anything, either put in your best guess with a "?" afterwards, or write "not known" if you have no idea.

    Remember all your debts will be wiped out even if you forget to put one down!

    There are some sample completed forms here that you might find helpful: https://nedcab.cabmoney.org.uk/bankruptcy627.asp and https://nedcab.cabmoney.org.uk/bankruptcy628.asp
  • keen_kat
    keen_kat Posts: 27 Forumite
    If you are putting down the sold to creditors,i would put the originating creditor name in brackets so the OR are away of who it originally was incurred with.

    If your account does get frozen and closed, there are other banks that offer accounts to bankrupts for you to open. Opening accounts BEFORE you are made bankrupt is jot wise, as they are likely to get shut down once you're made bankrupt.

    My knowledge: I work in insolvency for an insolvency practitioners firm
  • JCS1
    JCS1 Posts: 5,336 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    keen_kat wrote: »
    If you are putting down the sold to creditors,i would put the originating creditor name in brackets so the OR are away of who it originally was incurred with.

    If your account does get frozen and closed, there are other banks that offer accounts to bankrupts for you to open. Opening accounts BEFORE you are made bankrupt is jot wise, as they are likely to get shut down once you're made bankrupt.

    My knowledge: I work in insolvency for an insolvency practitioners firm

    We do recommend that people open a Barclays basic bank account before going BR, as this is one of the very few bankrupt friendly accounts.

    There are no other free accounts available to undischarged bankrupts that I'm aware of.
  • keen_kat
    keen_kat Posts: 27 Forumite
    Well then all the IPs I know must not be very experienced with their 30 years experience as they don't recommend opening before being made bankrupt.
  • michael1983l
    michael1983l Posts: 1,916 Forumite
    The only account I would open before BR is the co-op cash minder account, as they will let you keep the account post BR but not let you open a new one post BR. Of course you will have to go through the motions of getting it unfrozen.

    I agree with Kat r.e. Barclays, if you plan on opening one of their accounts, I would do the day you BR shows up on the Insolvency Register.
  • Haitch33
    Haitch33 Posts: 62 Forumite
    Also, when you send bank statements to your OR do they sit and question all the transactions? I've nothing to hide just trying to get a picture of how detailed this is going to be!
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