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sjbyron
Average Member
United Kingdom
746 Posts |
 Posted - 07 June 2009 : 11:17:25
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Hi
Ive recieved form EDREV from my OR and sent it back two weeks ago but have not recieved any other notification that it will be going to RTLU or anyhing else is this normal?
Will I still get my early discharge without an IPA as im on benefits?
Thanks
Stu J Byron |
Edited by - sjbyron on 07 June 2009 11:18:31 |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 07 June 2009 : 12:27:54
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It normally takes a couple of months after you send the form back for you to find out if you get ED.
If you don't have an IPA or any assets I doubt that your case would be passed to the RTLU as they deal with assets.
You can still get ED if you are on benefits - my friend wasn't working and she was discharged after 7 months.
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/
23 IPA payments made, 13 to go - on the home straight! |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 07 June 2009 : 12:30:50
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Thanks Skippy so im worrying over nothing again, lol
And to open Bank accounts do I need to wait 6 months after discharge or just take my certificate into the bank.
Stu J Byron |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 07 June 2009 : 12:34:12
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To be honest I don't know when it comes to bank accounts as they are a law unto themselves! I phoned the Co-op on Thursday and asked how long I would have to wait for a full current account (I'm happy with the Cashminder but was just curious). I was told they would consider it 6 months after discharge so I applied and needless to say was turned down! I also tried for a savings account, and again I was turned down.
I get the impression banks don't really want us while the BR is still showing on our credit files.
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/
23 IPA payments made, 13 to go - on the home straight! |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 07 June 2009 : 12:38:54
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Im back with Think after the problems with Coop such as authorised card payments that shouldnt of been and nto updating my account balance for a week, and freezing my account from time to time. Im looking at going with Lloyds for their basic account or yorkshire for their basic account that has Maestro on it or Yorkshire Building Society.
Stu J Byron |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 07 June 2009 : 13:03:53
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I've never had any problems with the Co-op, they couldn't have been more helpful when I had a couple of problems.
Good luck finding and account, and don't forget to let us know how you get on x
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/
23 IPA payments made, 13 to go - on the home straight! |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 07 June 2009 : 13:07:24
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thanks Skippy I will do,
If all else fails I will stay with Think
Stu J Byron |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 07 June 2009 : 15:06:44
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You could also think about the Clearcash card - it costs less than Thinkbanking and you can bills through there and have your wages paid across.
Costs £9.99 a month.
The glimmer gets brighter all the time
Jan
xx |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 07 June 2009 : 15:11:49
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True but am abit sceptical, especially as it doesnt have DDIs nor doyou have your own sort code and account number
Stu J Byron |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 07 June 2009 : 15:54:27
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I presume you have a sort code etc. I know it doesn't do DD's but it does do SO's and you can do payments.
There is also this one:
http://www.securetrustbank.com/prepaid-current-account/
Not sure if it is up and running yet, but if not it will be shortly. This does do Direct Debits and looks quite good.
The glimmer gets brighter all the time
Jan
xx |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 07 June 2009 : 16:10:00
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Thanks Jan
Ive put my name down for an application pack for them, they are Evolution Banking which is an arm of Baines and Earnst
Stu J Byron |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 07 June 2009 : 17:25:23
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Let us know how the account works Stu.
The glimmer gets brighter all the time
Jan
xx |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 07 June 2009 : 18:06:32
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Will Do,
I guess its the same as Thinkbanking except you have more control over your money than Think
Stu J Byron |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 07 June 2009 : 19:54:36
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That has to be good then if you have more control over it.
I'll be interested to hear how you get on with it.
The glimmer gets brighter all the time
Jan
xx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 07 June 2009 : 20:07:25
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That was one of the (many!) things I didn't like about Think, the fact that they controlled my money rather than being able to move it around myself.
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/
23 IPA payments made, 13 to go - on the home straight! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 07 June 2009 : 20:40:20
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How does that work then Skippy? At least with my bank it's my money and I decide who gets paid and when!
The glimmer gets brighter all the time
Jan
xx |
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Topic |
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RTLU?
