Problem proving bank statements for accounts I no longer have

Jlawson118

I applied for a small grant from university to help get me on my feet a little due to financial problems. In the application form, it asked me to state my current and savings accounts with the sort codes and account numbers, so I wrote down my First Direct and Barclays accounts.

It's been a week and I got an email today asking for three months worth of bank statements. Well my First Direct is where I normally get paid from student finance (and soon from my new part time job in a month or two) although most of the transactions on there are transferring to and from my other accounts. There's payments to my Halifax account and my Lloyds Bank account in which I no longer have, I closed them down around late September, Early October. But most of those payments went on bills via those accounts. I no longer have the statements for them as they were e-statements, and my internet banking has been closed down now.

However, they may see recent payments going from my Barclays account, onto my Barclaycard. But a lot of Barclaycard payments I have made is for things like fast food, or a few hundred pounds in furniture shops. But these are due to me buying things that my family have asked me to go collect whilst they've been at work or things they've later sent me the money for in general. But I know showing my credit card statement, university will then turn around and say I'm spending my money stupidly.

So I'm a little stuck. Although I downloaded a statement from First Direct, and the outgoings are starred out anyway, will these even be accepted by the university? Or do they want physical statements with outgoing names on and everything? And what am I supposed to do regarding this?

mwarby

If need be you could ask Halifax to provide copies of the statements even after the account is closed, I'm sure they must have mechanisms in place to do this

Re what your university will and wont accept, that'll come down to your own universitys policies. The whole buying stuff for others and being repaid might be tricky as you say, but key us probably to explain this upfront as best you can, hopefully they will focus on your current situation rather than details of how you got there

mwarby

I'd think the a big concern, as well as how money has been spent, is to check its not being hidden away and is genuinely needed

TheShape

mwarby wrote: »

I'd think the a big concern, as well as how money has been spent, is to check its not being hidden away and is genuinely needed

Given that the OP started a thread only 20 minutes before starting this one asking for advice on investing his savings in shares I'd suggest they'd be right to be concerned.

Jlawson118

TheShape wrote: »

Given that the OP started a thread only 20 minutes before starting this one asking for advice on investing his savings in shares I'd suggest they'd be right to be concerned.

I've got nothing to hide, I was talking about future investments. I'm aiming to save from a job I am soon to be starting and that was what I wanted to try and put away and maybe even earn a little interest/profit for my actual future.

But I've just decided that I no longer wish to go ahead with this grant anywaybseen as I have found out I will be working

agrinnall

[STRIKE]The OP[/STRIKE] Someone unknown may have been successful in getting me put on a yellow card for a comment made in another thread, but this thread has done nothing to change my view.

DCFC79

agrinnall wrote: »

The OP may have been successful in getting me put on a yellow card for a comment made in another thread, but this thread has done nothing to change my view.

Just looked who the OP is, thought they were a complete newbie.

jonesMUFCforever

agrinnall wrote: »

The OP may have been successful in getting me put on a yellow card for a comment made in another thread, but this thread has done nothing to change my view.

We should open our own club for card dissenters LOL!:D

Thrugelmir

First Direct
Lloyds
Barclays
Halifax

Barclaycard

Fast Food

Furniture

Payments on behalf of family members.

No wonder you are in a financial mess. You've no control over your finances by the sounds of it. You first need to rationalise everything. For other to help you you need to help yourself first. .

Jlawson118

agrinnall wrote: »

The OP may have been successful in getting me put on a yellow card for a comment made in another thread, but this thread has done nothing to change my view.

I don't know how the scoring system or whatever works on here but regardless of any comments made, I can 100% assure you I haven't reported or done anything to you or anybody who commented on that last thread, so I don't know where that came from

Jlawson118

Thrugelmir wrote: »

First Direct
Lloyds
Barclays
Halifax

Barclaycard

Fast Food

Furniture

Payments on behalf of family members.

No wonder you are in a financial mess. You've no control over your finances by the sounds of it. You first need to rationalise everything. For other to help you you need to help yourself first. .

Regardless of any of these, they're hardly any reason to put me in any financial mess. The furniture cost £160 and in that case my step-dad sent me £160 before I'd even bought it. Same with the fast food, same with everything.

I was with Halifax Ultimate Reward for the insurance benefits, and so bills were paid on there with direct debits so I needed to transfer over to there. The direct debits on there participated to getting the monthly discount. And then my Lloyds Bank one, well I had a credit card with them that I used to pay off early, so transfers to pay that off. Now I don't have either, just the two current accounts. Therefore managing my finances a little easier. I've been in the process of tidying things up even before my recent threads