Smiales Diary

smiales

I just don't know if they have taken it? Surely they wouldn't lie to me? Only thing that makes me wonder is that we would have known if we were £700 better off one month. Not talking a tenner. I've only got today and tomorrow to investigate this and I'm at work so a bit stuck really. Maybe we should just not mention it to the judge and try and struggle through for the next few months while we clear it. But where the heck will we magic an extra £150pm from?

blind-as-a-bat_2

Yes you would have thought you would have noticed, but if it was in your old account waiting to go out but it then bounced, if you had already moved to your new account then its quite resonable that you never went back to check.

Im not sure how co-operative the nat west will be with you though as to providing you with proof of where this money went but i f i was a bank i would want to prove it to a customer who accused the bank of misplaceing it just what had happened to it;)

what you find out though will rest on the timing i think

SuziQ

The best thing I can offer you is my heartfelt prayers-I am a HUGE believer in prayer and hope you are not offended. I agree with everyone else,you have coped remarkably well with whole thing-many would have crumbled under half you have had to contend with,just the illness in family and yourselves would have finished many off. I will pray for a very understanding and pragmatic judge who will treat you as leniently as he is allowed.

peachyprice

In December your account with Natwest must have been in credit as you were already BR. If there was money left in the account when it was closed they would have sent you a cheque for it, they can't take it as you weren't overdrawn.

dalip

Right let me get this straight. Bear with me I can be a little slow. You went bc in aug/sept so this nat west acc was it opened prior to bc or after?. If before was it overdrawn?. If after why did you close it?.


The way i see it is the nat west account was opened before bc but would have been frozen when you went bc.or a few wks later That means any money in there the OR would have had. Thus when said b/a was frozen no dd(mortgage) would have been paid. Problem solved!:D


Or am i barking up the wrong tree here:o

dalip

Why has nobody posted any thoughts on my theory???

peachyprice

Good theory Dalip, but how about the other mortgage payments after Aug, but before December? if the a/c was frozen shortly after BR , as it would have been, those payments wouldn't have been made either?

dalip

They don't always freeze accounts straight away.I had a joint savingsacc that did not get frozen until jan, went bc end nov:p . But i take your point and it is a god one but we wont really know until snailssorry smailes/smiales(is that right now) comes back with an answer.D

smiales

dalip wrote: »

Right let me get this straight. Bear with me I can be a little slow. You went bc in aug/sept so this nat west acc was it opened prior to bc or after?. If before was it overdrawn?. If after why did you close it?.


The way i see it is the nat west account was opened before bc but would have been frozen when you went bc.or a few wks later That means any money in there the OR would have had. Thus when said b/a was frozen no dd(mortgage) would have been paid. Problem solved!:D


Or am i barking up the wrong tree here:o

Sorry Dalip, read your reply at work but for some reason I couldn't reply, damn filters! Anyway, right, the Natwest acc was opened before BR, it was our old joint acc. Natwest made us close it after BR surprise surprise. I don't remember us being o/d before BR as we had no facility for this.

Think you have it spot on, it was frozen/closed after they were told of BR, we didn't inform them the OR did so it was a while after BR if I am right, think we kept the acc right up to when co-op was opened in Dec. There may have been a couple of weeks wher ewe didn't have an account anywhere. Sorry I am very blurred on the facts about the bank.

Thing is that Natwest have told me that there was no balance on the acc when is was closed. That is what I thought if I am honest, I know we withdrew everything before we went to court (which wasn't much) and I know when they were told of BR I went in to see them and they allowed our salary to go in once more so that we could pay the mortgage that month. Its all very vague isn't it? Sorry.

So lets say that the cash has gone, god knows where but somewhere between the November payment and the Jan payment, both of which were rec'd by mortgage company (Jan payment from new acc) the Dec one has gone. What would you say to the judge. I am so vague on the details i can't see how i will ever find out about the cash, might have to accept it as a loss. :sad:

smiales

peachyprice wrote: »

Good theory Dalip, but how about the other mortgage payments after Aug, but before December? if the a/c was frozen shortly after BR , as it would have been, those payments wouldn't have been made either?

Think I've covered this in response to Dalip. Natwest weren't very quick with closing account so these payments went out fine fortunately, checked statements from mortgage company.