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sjbyron
Average Member
United Kingdom
746 Posts |
 Posted - 04 August 2009 : 15:01:13
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Hi
I have applied for a basic account with Halifax, they have wrote to me and said they would be happy to open the account when they see the certificate of discharge.
All I have is a letter from the OR and the print out fro the insolvency site, would that be enough?
Thanks
Stu J Byron |
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Suzanne
Average Member
United Kingdom
869 Posts |
Posted - 04 August 2009 : 16:35:50
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That should be good enough. If not you will have to pay the court fee (around £60) to get a certificate of discharge.
Suzanne Stocker
Bankruptcy Manager
Jones Giles Ltd
www.jonesgiles.co.uk
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 04 August 2009 : 16:37:20
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Thanks Suzanne
Whats the difference between the certificate of discharge and the letter sent from the OR which is court stamped
Stu J Byron |
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Suzanne
Average Member
United Kingdom
869 Posts |
Posted - 04 August 2009 : 16:43:19
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What does the letter from the OR say? Is it your confirmation of early discharge?
Suzanne Stocker
Bankruptcy Manager
Jones Giles Ltd
www.jonesgiles.co.uk
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 04 August 2009 : 16:45:19
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Yep it state that the or has concluded and any further investigation into my estate is unnecessary
Stu J Byron |
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Suzanne
Average Member
United Kingdom
869 Posts |
Posted - 04 August 2009 : 16:47:30
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That sounds as good as a certificate of discharge to me.
Suzanne Stocker
Bankruptcy Manager
Jones Giles Ltd
www.jonesgiles.co.uk
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 04 August 2009 : 16:51:01
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Thank you
Is Halifax a good bank to go back to
Stu J Byron |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 August 2009 : 16:54:54
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Unless Halifax have improved I wouldn't touch them with a 10 foot pole! Their customer service was appalling.
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/
25 IPA payments made, 11 to go - on the home straight! |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 04 August 2009 : 17:21:17
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I never found them too bad however I never spoke to them on the phone
Stu J Byron |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 04 August 2009 : 17:41:13
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I've never been impressed with them either. Had no end of trouble with them myself.
The glimmer gets brighter all the time
Jan
xx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 August 2009 : 18:00:52
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I thought you were going to Lloyds or sticking with Think Stu?
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/
25 IPA payments made, 11 to go - on the home straight! |
Edited by - Skippy on 04 August 2009 18:02:09 |
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Angie
New Member
United Kingdom
81 Posts |
Posted - 04 August 2009 : 18:20:00
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The Halifax ... run for your life someone I know has been having a terrible time with them.
I LOVE the CO-OPERATIVE BANK they took me in when no one else wanted me. I cannot praise them enough. The VISA card is great for paying on-line bills and even cheap clothes on ebay too. What more can I ask for. Well done to the CO-OPERATIVE BANK. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 August 2009 : 18:27:19
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I agree Angie. The Cashminder does everything I want it to do and the Co-op's customer service is excellent. I've got a full Nationwide account from pre BR but I prefer to use the Co-op account.
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/
25 IPA payments made, 11 to go - on the home straight! |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 04 August 2009 : 18:51:19
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Hi Skippy
Im currently with Think, Coop have took Direct Debits off me as I had a bounced visa card payment which went through when their wasnt enough money in my account.
Lloyds have asked for a credit report from equifax and the letter of discharge ive just printed my equifaxx report so debts are still default but the majority are settled now and euifax them selves have me as discharged bankrupt so am going to try lloyds again tomorrow otherwise its Think.
Ive sent a print out from the insolvency website to the Halifax so lets see if they give me an account.
Stu J Byron |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 04 August 2009 : 18:58:15
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I like Nationwide - never had a problem with them at all and their customer service and online banking is very good.
The glimmer gets brighter all the time
Jan
xx |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 04 August 2009 : 19:06:23
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Agree with you there Jan, and I would bank with them but they refuse to put the loan and card I had with them as settled and they still show up online banking so dont really trust them
Stu J Byron |
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Topic |
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if someone asks for proof of discharge / certifica
