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Trolly-Dolly
Average Member
591 Posts |
 Posted - 17 December 2008 : 22:32:20
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I didnt know this, perhaps you do already..........
If you have 3 failed DDs/returned payments then your account will be closed unless you can prove that it was not your fault!
I have had two since it opened, and now I am scared.
You can read my blog here;
http://drowningmummy.blogs.iva.co.uk/ |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 18 December 2008 : 10:24:38
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Hi TD,
I was not aware of this. Many thanks for the heads-up!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 18 December 2008 : 10:27:59
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Hey TD
No...I did not know that - I have had 2 dd's returned (fault of the bank) - That seems quite harsh though.
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 18 December 2008 : 10:56:14
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Hi guys
I think you will find its in the T&C's, not 100% sure but i think i read it in there somewhere, so they are a little bit crafty.
Jo
x
19 Weeks down
33 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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Edited by - Needafriend on 18 December 2008 10:57:05 |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 18 December 2008 : 10:58:31
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I had read about this on other forums, and it happened to a couple of people so go careful!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
18 IPA payments to go! |
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MrandMrs
New Member
United Kingdom
99 Posts |
Posted - 18 December 2008 : 11:29:00
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We went in and opened one for hubby last weekend and they told us about the 3 strike rule. Perhaps some branches aren't as good as others!
working towards the first day of the rest of our lives |
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Tikka
Junior Member
210 Posts |
Posted - 18 December 2008 : 12:37:30
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I am afriad they do operate this 3 strikes & your out rule. It happened to me!
Each time a DD bounced they wrote to me advising me of the case & that they were cancelling all my DD's & SO's with immeadiate effect. (In my defence the first instance was my fault, the second was a result of them cancelling my dd's & third was not) Each time I put the account straight & advised them. I think the second time of it happening they told me I couldnt operate any DD's or SO's on my account for 3 months. Then due to no fault of my own, Sky took to much money & even after speaking to the co-op & being told they wouldnt close my account as long as I put back into credit which I did I still got a letter advising me they were closing my account on such & such a date.. I thought because I put my account into credit that would ok but standing at the till in asda waiting to pay my card was declined, they had cancelled it with out any further word.. After calling them to say I had money in my account what where they playing it & after being treated what I can only descibe as like the scum of the earth, I told them where to stick it. In my opinion the co-op are not at all friendly or helpful, in fact they are have caused me more stress & agro that declaring myself BR!
I am now with think banking so far so good, am not overly happy with having to pay a fee but it will only be for a year....
just go careful with them & stay in constant touch with them...
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Trolly-Dolly
Average Member
591 Posts |
Posted - 18 December 2008 : 14:58:19
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Thanks for that, how awful for you.
So one more strike and I'm out? Thats pants!
I guess I will have to give Think a try. can we get accounts once we are discharged?
You can read my blog here;
http://drowningmummy.blogs.iva.co.uk/ |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 18 December 2008 : 15:27:27
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You can open an account with Think Banking at any time as they don't credit check.
To be honest I thought they were a complete waste of money, and I would try Barclays or Lloyds before resorting to Think.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
18 IPA payments to go! |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 18 December 2008 : 16:09:07
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I agree with Skippy - I have always got the Lloyds account i opened post br, just incase of any more mistakes (on coop's part that is).
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 18 December 2008 : 16:10:51
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Hi
I hope you get it sorted out TD, i cant go to LLoyds as they were one of my creditors and they would want blood from me even now.
So hopefully we should be ok.
Take care
Jo
x
19 Weeks down
33 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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Tikka
Junior Member
210 Posts |
Posted - 18 December 2008 : 16:55:36
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so do Lloyds do a basic account for un-discharged BR?
I couldnt go to Barclays as they would want my blood too! oops...
Personally I wish I didnt have to deal with banks, would rather stuff my money under my mattress, this whole thing left me feeling rather pants towards the whole banking world! |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 18 December 2008 : 17:44:21
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Movin On was able to open an account with Lloyds when she went BR.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
18 IPA payments to go! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 18 December 2008 : 18:10:39
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Hi Skip
But how do you get on when they are your main creditor, like £45k owed to them.
LOL
Jo
x
19 Weeks down
33 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 18 December 2008 : 18:24:58
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Ah, that could be a slight problem!!!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
18 IPA payments to go! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 18 December 2008 : 18:42:52
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Thought so!
Jo
x
19 Weeks down
33 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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Topic |
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Important Info Re: Cashminder Account.
