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T O P I C R E V I E W
totally lost
Posted - 04 September 2009 : 09:09:04 Good morning everyone.
I am having problem getting a new bank account before I declare BR. The reason is partly because I am not on a electoral role-altough I did try to rectify this some years ago but received a letter declining as I am not British..!? I kept the letter.So the Coop said 'no' to an account. 'Think banking'will probably be ok but I need to get my drivers licence up to date with my new address before they actually open the account....so at the moment I am abit stuck with my RBS current account.
My question and worry is: RBS and Mint are part of my creditors and does anyone know at what stage they have the authority to start taking money directly out of my account?? I have had a couple of those ' we will have no choice but to send someone to your home' letters...but again they dont know my ned address. My account has been functioning as normal but I am REALY starting to worry as I face another month with my salary being paid into this account end Sept. Last month I went straight to the bank and took out all the money the same morning my wages was paid in.
Any ideas.....??
3 L A T E S T R E P L I E S (Newest First)
Niobe
Posted - 04 September 2009 : 15:07:45 I used to have an account with Halifax into which was paid my child benefit.
Shortly after I got into financial difficulties, I went in to close the account and draw out that months benefit plus any other money in there. In total it was about £35.
Imagine my embarrasment when I was told there was no money in the account as it had been taken to offset against my loan. £35 to take off a loan which still stood at about £20,000!
Crazy! But it does show that they can, and will, take any money you have in the account.
The glimmer gets brighter all the time
Jan xx
totally lost
Posted - 04 September 2009 : 12:01:29 Hi and thanks for your help
Would anyone know when a creditor starts to look into of-setting money from an account?? Anyone been in this scenario?
I have been with RBS over 5 years and during this time been a 'good' client/managing the account well. During those years I was also with a DMP plan and as mentioned two of my creditors are RBS and MINT.
As I havent paid my DMP plan since end April to save for BR help and BR...I just wondered how long until they start looking into this type of action?
Skippy
Posted - 04 September 2009 : 10:00:38 Unfortunately the bank can offset money against your debts right up to the date you go BR.
Until you have your ID up to date I think you will struggle to get a bank account - could your salary be paid into a friend or relative's account?
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
