Theoretical Question

Gaz1971

If you had just been discharged and won the lottery would you be able to get a proper bank account anywhere?

Praxis99

I think its fair to say that your bank -any bank - is likely to listen very kindly to any request to upgrade your account in such 'theoretical' circumstances, don't you think!

betterlatethannever

Yes Praxis i think they just might.:rolleyes:

Also, surely with a large win, most people who have been discharged would pay back the debt and have the BR annulled.

dalip

You really think the bank is going to give you a proper bank account with a £10 lottey win:D . Think again:rotfl:

wherediditallgo

betterlatethannever wrote: »

Yes Praxis i think they just might.:rolleyes:

Also, surely with a large win, most people who have been discharged would pay back the debt and have the BR annulled.

I'd like to think so. I know that if I won a huge amount (enough to buy myself a home & save me from having to work for someone else ever again), I'd be doing the following in this order:

1. Spluttering "Oh (insert your own expletives of choice - lots of them) & doing all manner of embarrassing dances at home.
2. Regaining my composure enough to make a copy of the cheque, then hotfooting it to the bank to get the cheque in before I lost it.
3. Insisting on meeting the branch manager, & stipulating what I wanted from them in order to give them the benefit of earning interest on my huge amount of dosh.
4. Trying my level best to sort out the annulment asap.
5. Then bursting into tears with relief once that had been sorted out.

Only after that had been done could I think about spending any money on myself or anyone/anything else, but I'm saying that with 5 of my 6 years still to run. Not everyone would feel the same way. If someone was near the end of the 6 years that their credit file is affected, I can well imagine someone thinking "No way am I handing over a penny" & living with an affected credit file until the 6 years are up, & I think I'd be the same in that position. Once you've got your bank manager on your side, a lot of financial spending problems go away. Even if the bank manager wasn't playing ball, I think I'd quite enjoy going into a shop & someone telling me that X is going to cost £5,000 & saying to a burly gent on my left "Can I have the briefcase please?", taking a wad of cash from it & slowly counting out the notes while the assistant's eyes spun in their sockets.

Gaz1971

betterlatethannever wrote: »

Yes Praxis i think they just might.:rolleyes:

Also, surely with a large win, most people who have been discharged would pay back the debt and have the BR annulled.

I didnt know you could do that, I thought once it was done there was no going back.

betterlatethannever

Nope it can be annulled. More info HERE

maxmycardagain

betterlatethannever wrote: »

Yes Praxis i think they just might.:rolleyes:

Also, surely with a large win, most people who have been discharged would pay back the debt and have the BR annulled.

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

maxmycardagain

would being a bad credit risk for 6 years be a worry if you won 10 mill?

i could LEND the banks money!

blind-as-a-bat_2

To be honest after what we have had to put up with through and after reading all the storys on here of what they have done to others to be honest they can go whistle


They dont deserve it and as max says i wouldnt care abot a clean credit file:p

So_Sad_Angel

Hey Max...out of interest ..what would you buy with 10 mill ??