A couple of final questions before I submit.. Help much appreciated.

Worried3648

Hi,
A big thanks to all who have helped me so far. Just a few final questions before I click submit tomorrow.

1. I get paid tomorrow, do I leave money in the account for my direct debits due out next week (gas and elec,union, house ins etc) or do I draw it out and arrange to pay at a later date?

2. If I withdraw cash do I need to declare that as cash I hold on my application? It is just to cover cost of living buy food,fuel etc as I have seen advised before that its an idea to have some cash?

3. Anything else anyone advise I do before I submit that they wish they had done?

Many Thanks in advance

luvchocolate

I would leave enough in to cover DD and withdraw some cash for food shopping etc...show that as cash for food and fuel etc. 
It will take a few days for the OR to notify your bank and then it's up to your bank whether your account is frozen or not. 
Who do you bank with and is it a basic account?

Worried3648

luvchocolate said:

I would leave enough in to cover DD and withdraw some cash for food shopping etc...show that as cash for food and fuel etc. 
It will take a few days for the OR to notify your bank and then it's up to your bank whether your account is frozen or not. 
Who do you bank with and is it a basic account?

Thank you, I bank with Halifax which is where the majority of my debt is. I have opened a basic account with the co-op though to use as I imagine Halifax won't want to keep my account open. I haven't transferred any direct debits or anything over to them yet but will do that next week. I have also ticked the Co op to use as my main account on my application as it says the OR will ask them not to freeze it. 

luvchocolate

Halifax will definitely close your account they are not BR friendly. Move all your direct debits and your wages..benefits etc straight away