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| T O P I C R E V I E W |
| Steve.s |
Posted - 16 March 2011 : 21:31:01
Hi
I am having my petition heard on Friday and my question is about bank accounts.
My main account is with the Halifax.
I also have a basic 2nd account - Yorkshire Bank Readycash - opened in January.
I was hoping to pay my salary into the new account - but maybe I should have opened it immediately after my petition instead of before.
If I don't include this 2nd basic account (no money in it!) on my BR forms will the OR still find out about it?
Thanks |
| 5 L A T E S T R E P L I E S (Newest First) |
| Steve.s |
Posted - 17 March 2011 : 17:46:56
Many thanks for this. I was previously under the impression that it was the banks themselves who froze/closed accounts in bankruptcy - even if the OR hasn't contacted the bank themselves (i.e.) I was told that the banks check the London Gazette & Insolvency Register on a daily basis and then check what's listed for the day against their customer database & that they then freeze/close the accounts of any of their customers who have recently been declared bankrupt.
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| Widge |
Posted - 17 March 2011 : 12:39:30
Good luck Steve. I went to court a couple of weeks ago with mine and it was not at all as bad as I had imagined. Don't worry too much :)
Widge x |
| steg90 |
Posted - 17 March 2011 : 09:55:45
Good luck Steve, hope you can keep us posted of how it went. I've got mine on 28th March. |
| Niobe |
Posted - 17 March 2011 : 08:46:51
Good luck for Friday Steve.
Double, double toil and trouble;
Fire burn, and cauldron bubble.
Jan
xx |
| Melanie.n |
Posted - 17 March 2011 : 08:18:02
Hello there
With regard to your new bank account, you were very sensibleinopening it before your bankruptcy hearing, and make arrangements asap for your salary and DD's etc to be transferred over to the new account.
There is no need to list this new account on your bankruptcy forms, providing that the account is not linked to any of your creditors.
When you have your telephone appointment with the OR you can then inform them of the new accout details (you are obliged to do this) but by doing it in this way you do not have the risk of the account being frozen - if you had listed the account on the forms, and it was an account you wished to continue to operate, the OR would sanction it to be 'unfrozen' but this can take up to 5 working days thorugh which you would not have access to your funds and DD's etc would not be paid
Hope this helps, Melanie
Melanie Nicholas
30 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
telephone 01792 899996
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