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freshstrt
Starting Member
6 Posts |
 Posted - 07 January 2011 : 15:36:51
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hello everyone
Ive been reading some posts already but haven't really found an answer as such
Ive "upset" most banks apart from Natwest
I opened it to move away from being cornered into a fining situation and
get more control on my outgoing
I've lost the battle now Im unemployed and from what Ive learned...my only option is Bankruptcy
I want to keep my natwest account, but its an advantage gold with an overdraft
I have a good history with them, not sure if it matters
what can I do to be able to keep some kind of direct debit facility?
thanks
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 07 January 2011 : 16:00:20
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Hi and welcome to the forum.
Natwest do sometimes allow you to keep a basic Step Account, but it's unlikely that you would be able to keep the Advantage Gold account.
Do you owe any money for the overdraft?
A lot of people on here have the Co-op Cashminder account which is definitely BR friendly.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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freshstrt
Starting Member
6 Posts |
Posted - 07 January 2011 : 16:11:00
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thanks for the reply no I'm in the green with them
but I'm about to get a post office account
to continue to receive benefits I'm now on
the money in there at the moment is my rent money
I'll have a loom at your blog
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 07 January 2011 : 17:31:21
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Give NatWest a call and see if they will let you transfer your account to a Step account. The last thing you need is to have your account closed once you have declared BR and then have to rush around to try and open an account in time for your benefits to be paid.
Alternatively you can always open a Co-op Cashminder account 'just in case'. The account is very BR friendly and most people on this forum have one. You don't need to live near a Co-op branch as you can pay money in at Post Offices and there is online banking as well. |
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freshstrt
Starting Member
6 Posts |
Posted - 10 January 2011 : 17:24:54
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I think my time has run out, I've just received a letter
saying that because I haven't responded in time (it arrived just before Xmas )
I have 7 days to pay an amount
I'm now unsure about the br forms
wether to say I have been issued with court action
or I'm about to be
so I guess my account will be frozen
I spoke to natwest
they will remove the overdraft if I come in
and sign for it
they offered to open a new step account
but I'm not sure they'll let me open a new one
so co op might be a good idea, but when am I aloud to?
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Edited by - freshstrt on 10 January 2011 17:25:46 |
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memphisd56
Junior Member
United Kingdom
112 Posts |
Posted - 11 January 2011 : 11:28:05
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The best time to open a Cashminder account is NOW!, I did tell them i was going BR, and it wasn`t a problem.
You don`t need to put it on your SOA, buy mention it to the O.R...they will not freeze it.
This is what i did, based on the advice given by the experts. |
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freshstrt
Starting Member
6 Posts |
Posted - 11 January 2011 : 17:47:40
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thanks for the advice
Ok I went to co op and applied for an account
they asked me what reasons for opening one with them...I told them I was close to bankruptcy
and he said yes this won't have an overdraft but you will have the online debit card
he couldn't give me the ok there and then.... it will need to be refered...?
also went to natwest to remove the overdraft
but the staff that could had already left
so that'll be tomorrow now
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Edited by - freshstrt on 11 January 2011 17:49:43 |
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Natwest
