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Skippy
forum expert
United Kingdom
3290 Posts |
 Posted - 15 March 2011 : 09:40:44
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Personally I would avoid using a managed bank account unless I couldn't get anything else as I'd begrudge paying the money if I could get a free account.
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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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 15 March 2011 : 09:51:17
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I completely agree with Tracey. The co-op cashminder is a great account, you get a visa debit and internet banking, without any fee.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
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steg90
Starting Member
42 Posts |
Posted - 15 March 2011 : 09:55:08
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| Looks like you cannot set up direct debits with the cardone account, so that isn't any good :-( |
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steg90
Starting Member
42 Posts |
Posted - 15 March 2011 : 10:10:20
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Ok, will try and get a co-op cashminder account, just hope they will give me one.
One more point with regards to my car, as the OR will probably have no interest in it, could the finance company take me to court or would they just repossess it?
Many thanks,
Steve |
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glafy
forum expert
436 Posts |
Posted - 15 March 2011 : 10:30:14
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Just popping in here to agree with the others Steve. The co-op Cashminder is a really good account to use through BR. The OR's know of these accounts and will leave them open for you. Just be careful that you don't go overdrawn on it.
Court day will probably be an anti climax for you. You usually need to take 3 copies of SOA with you plus your cash fee.
You will be seen by the BR clerk who will check your forms and take your money!!
Your papers will be taken to the court (I had to take my own!), you may or may not have to see the judge. I think that it tends to depend on the individual court/the judge/the day/how busy they are etc, etc as to the chances of you having to see them face to face. Your papers are then signed and that's it, off you go!!........ BR!!
I was only at court about 30 mins, obviously this can vary.
Good Luck with everything!
"Good things come to those who wait".....I'm a patient person but this is taking the Mickey!! |
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steg90
Starting Member
42 Posts |
Posted - 15 March 2011 : 12:32:14
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Hi,
Thanks glafy :-)
I've tried to get a cash minder acct and they have referred me and I have to phone in next two days, will I get this account?
Thanks,
Steve
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steg90
Starting Member
42 Posts |
Posted - 15 March 2011 : 12:35:11
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As an aside - I've carried on using my bank to draw money for shopping even though it is well over drawn, I guess I have to stop now doing this as it is the banks money? So many questions, I'm sorry!
Thanks,
Steve |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 15 March 2011 : 13:40:14
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Hi Steve,
Don't worry about the bank referring the account, this is often the case. As long as you are on the electoral role, you will be fine.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
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steg90
Starting Member
42 Posts |
Posted - 15 March 2011 : 13:45:56
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Hi,
I think this is why they have referred it, I'm not, just phoned up for the forms to be sent so I can be put on it, unless they can check a previous address?
Thanks,
Steve |
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fattypatty
New Member
United Kingdom
69 Posts |
Posted - 15 March 2011 : 14:58:45
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hi steg 90 , i have my court date through too for the 24th march and i am nervous .
as for the forms i keep going over them just to make sure ive filled them in properly i will keep you informed as to what happens when i go to apply for bankruptcy if you like x |
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steg90
Starting Member
42 Posts |
Posted - 15 March 2011 : 15:18:12
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| That would be great! Do the forms have to be 100% correct? |
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fattypatty
New Member
United Kingdom
69 Posts |
Posted - 15 March 2011 : 17:13:18
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hi again ,
when you get to the courts they do run through all the paper work but i would say keep checking it ive made a list of all my debt that have been taken over by the different companys as i did get in a muddle at first and couldnt rem who was who but after sitting down and studying all the paper work in a quiet room i managed to muddle through it .
a friend of mine went for bankruptcy last april she had a few bits wrong on her form and they helped her at the courts .
hope this helps x x |
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steg90
Starting Member
42 Posts |
Posted - 15 March 2011 : 19:41:35
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Hiya,
Thanks for the information. I've only 3 creditors who I'm listing - car finance, an aa loan and my credit card - I do have an argos card - would I have to list that?
Best wishes,
Steve |
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debtinfo
forum expert
2826 Posts |
Posted - 16 March 2011 : 07:25:46
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yes in section 5.2
also in section 4 if there is any debt on it |
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steg90
Starting Member
42 Posts |
Posted - 16 March 2011 : 07:35:47
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| Ok, I don't have it down at the moment so will need to put it in. Just scared though as I bought my apple macbook on it around 7 months ago, would they take this back from me? Reason I ask is that I use it for my work. |
Edited by - steg90 on 16 March 2011 07:46:45 |
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Just filled in SOA, got my court date 28th March
