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  • FIRST POST
    • srg0916
    • By srg0916 13th Apr 18, 2:59 PM
    • 13Posts
    • 3Thanks
    srg0916
    Submitted Application
    • #1
    • 13th Apr 18, 2:59 PM
    Submitted Application 13th Apr 18 at 2:59 PM
    Hi everyone,
    Just wanted to post to let you know I have submitted my application for BR.
    I appreciate all the advice I've got from the people on this site, either directly or indirectly by reading others posts and comments.
    I am a little nervous now about awaiting to hear from the OR. After I processed the application it told me not to use by bank account but i didn't take any money out beforehand as I usually use my debit card to make payments so I don't know if I should continue to use my account in the meantime while I wait to hear from the OR??
    Unless I ask family to help me out I won't have cash for everyday needs, so I'm assuming I will be allowed to take money out? I have been honest with the application and stated I had a balance in my account of 300 but by the time I use some for everyday needs (food,petrol etc) I won't have that in. Will I get wrong for this?
    I suffer from stress and depression and now the waiting is adding to this.
    I have applied online to nationwide for their flex account in case my halifax accounts get closed so that I can simply tell work to pay into the nationwide account instead. I don't know If i should have done this now or later once accepted but I done it. They approved my account but I need to take some things into a branch to process the opening and they are sending me a letter to tell me what to take.
    I have called a couple of my creditors to advise them of the situation, none of them seemed to care now I have said I have filed for BR. (alot quicker calls than previous, before I told them I'm going BR)
    I must admit although I'm nervous about my interview and I really hoping to keep my car as getting buses to work would mean at least 2 buses if not 3 plus about 1-1.5hour journeys each way just to get to work which normally in a car would take me less than 30 mins each way. Also I have a son who I taxi to and from childcare, as both myself and my wife work. I have been honest about the cost of my car, I think it's worth 1400 as although it's a 60 reg it's got 55k miles and it's body work is quite bad (alot of scratches and dints) Plus I have just spent quite a bit of money for maintenance over the last year on repairs and servicing. If i was forced to get a new car and sell this one I worry I would have to spend a bomb on the new car for repairs like I have done recently. I will be gutted if I have to get rid of my car and use public transport, this will just add mass amount to my stress levels and cause deeper depression I feel.
    Would the OR take my mental health issues into account re my car?
    Thanks again and sorry for the long post people.
Page 1
    • TheGardener
    • By TheGardener 13th Apr 18, 4:10 PM
    • 2,302 Posts
    • 2,203 Thanks
    TheGardener
    • #2
    • 13th Apr 18, 4:10 PM
    • #2
    • 13th Apr 18, 4:10 PM
    Its fine to use your account for everyday needs - I would advise making sure you have enough cash to tide you over a week or two if possible.
    It might be worth going into a Barclays branch and asking specifically for a 'basic' account just in case the Nationwide one gets frozen too.
    Car might be ok - a low valuation based on condition would have been ok.
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