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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
 Posted - 09 May 2008 : 22:27:51
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Hi there
it is the bank that decide to close the account and I am not aware of the Yorkshire Bank being OK in Br.
I would recommend giving the COOP a call tomorrow morning and getting one opened by early next week. ASK FOR TH CASHMINDER ACCOUNT.
This way you will be fine and won't need to trust to luck. If you don't have an account to accept your salary you will be in a mess for next month so act now and manage it and there won't be a problem.
Good luck
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com |
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Joozee
Junior Member
199 Posts |
Posted - 12 May 2008 : 11:56:06
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Thanks Paul,
I'll give the co-op a call at lunch see if I can sort something out. I might ring the Yorkshire bank too and just be honest with them. If I do ring them and they decide to freeze my account, will they do it strsight away, by that I mean should I withdraw the money that is left in there to pay the rest of this months bills before I ring just in case?
Cheers for your advice |
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m and v
Average Member
United Kingdom
760 Posts |
Posted - 12 May 2008 : 12:06:31
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Hi Joozee - I would withdraw it just in case. Whe I went BR the OR asked me if I needed to withdraw any cash before she wrote to them. You can always put it back in! I have opened a co-op cashminder account - bit of a long phone call but staright forward and no problems. Got the electron card and pin through fairly quickly -got the account details within 4 working days so I could sort out wages, direct debits etc within a week. Been impressed with them so far.
Vicki x |
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Joozee
Junior Member
199 Posts |
Posted - 12 May 2008 : 12:11:38
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Yeah i put on my forms that I had 50 quid and that i was owed £600 in unpaid wages from three months ago when i was made redundant, that arrived in the bank today so it's kind of made things awkward.
I think i'll set the wheels in motion with the co-op and if it goes OK and they let me have an account i'll ring the Yorkshire bank in the next few days and maybe take the cash out and keep it safe as I declared it on my form. If the OR asks for it then at least i have it to give.
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m and v
Average Member
United Kingdom
760 Posts |
Posted - 12 May 2008 : 12:19:44
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Typical! £600 any other time would have been really nice. Wonder if it makes a difference that its wages rather than a redundancy payment??
Vicki x |
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Joozee
Junior Member
199 Posts |
Posted - 12 May 2008 : 14:01:25
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I declared it on my form so i'm going to withdraw it and make it available if the OR asks me about (which they will) I've nothing to hide with it so i'm not fussed either way really.
I ranf the co-op at lunch, they were great, my account was approved over the phone and i'll get my acc number and sort code on Thursday mornign which will give me enough time (if I need to) to change my salary over to it.
One more hurdle cleared! |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 12 May 2008 : 22:56:48
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Well done for sorting the bank account open.
If the back pay was just that there is a reasonabloe chance you may be able to keep this as no doubt you have suffered hardship because of the loss of income due to the clerical error.
Hope you get to keep it
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com |
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Joozee
Junior Member
199 Posts |
Posted - 21 May 2008 : 15:15:04
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Bit of an update.
I've got my OR interview on Tuesday 3rd June.
Apparently my bankruptcy was in the Local paper this week. As it happens a few people I know saw it which was a bit of a shock when they rang up to ask if I was OK about it and if it was actually me! I explained my situation to them and they were OK.
I emailed my OR and asked her some questions about my bank account etc, she was very helpful and said she would get the clerk to write a letter to my bank explaining that it is OK for them to keep my account open as far as they are concerned. I also explained that I didn't have a lot of my bank styatements and credit cards and she said to send what I could asap and she would work out if she needed to contact them to get anything else she might need.
Also my IVA IP's have contacted her to ask if they can be appointed as trustees, I doubt it will work but it would be helpful as they already know my finances inside out after doing my proposals and adjurened meetings etc.
Cheers
Jon |
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m and v
Average Member
United Kingdom
760 Posts |
Posted - 21 May 2008 : 16:50:34
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Hi Jon
Sounds like you are getting sorted.
Well done for holding your head high about the newspaper announcement. Some people can't resist asking can they!
I have found my OR really helpful - I think if you come across as genuine and wanting to sort things out they appreciate it. They must come across all sorts!
Would be weird having my IP as my trustee, but then again I didn't have a good time with my IVA and hopefully I won't have anything for a trustee to be involved in -no assets etc etc.
Glad you are getting there!
Vicki x |
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melanie_giles
Senior Member
1191 Posts |
Posted - 22 May 2008 : 08:23:54
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It is quite normal for the previous IP to be appointed your Trustee as they already have detailed knowledge of your case.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
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Joozee
Junior Member
199 Posts |
Posted - 03 June 2008 : 08:52:38
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Morning everyone,
It's seemed like a long wait but my interview with the OR is this morning at 10. I'm looking forward to getting it all sorted finally and moving on.
I'll let you know how it goes.
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debtfreesusie67
Junior Member
256 Posts |
Posted - 03 June 2008 : 09:56:58
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Good luck Joozee. Let us know how it goes.
Sue
The only way is up
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
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Joozee
Junior Member
199 Posts |
Posted - 03 June 2008 : 14:08:28
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Hi all..
Was on the phone for abour 2 hours, nice lady though, was just very thorough. We agreed my IPA amount...I presume this can't be appealed by my creditors, she said she'll just send me details of how to pay. The reason i say this i becuase my agreed IPA is going to be £180, the amount I offered in my IVA which my creditors rejected way £550...seems ridiculous to me! They don't include our child benefit and tax credits as my income and they only took 60% of what i had left.
A substntial amount of my debts are from gambling so I need to send her as much info about that as possible, it's also likely that i'll be bankrupt for longer than one year.
She said my car (worth £2600) was on the cusp of what they allow but becuase I use it for work and have agreed to an IPA it should be fine.
My house is being refered to a houing specialist at the OR becuase it's shared ownership but there is very littel equity so my wife may be able to buy that, if there is enough equity to force that anyway.
I guess thats about it really...fairly harmless compared to what i've been though up to now with stopping gambling and facing up to my debts.
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 03 June 2008 : 14:21:33
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Hi Joozee,
Automatic discharge will still happen at 12 months. Should the OR give you a BRO/BRU, you'll be kept under the restrictions of bankruptcy but will still be discharged.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
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Topic |
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Going Bankrupt 9th May
