| T O P I C R E V I E W |
| moonstriker |
Posted - 19 November 2008 : 10:46:33
So I’m still here and it’s getting very close now to when I can submit my BR papers to the county court. I have the papers now and did take the advice given and have been to the court offices to check if I needed to make an appointment or just turn up on the day. It was helpful as they gave me a basic information pack that I am able to follow. So, just as soon as I get paid, in I go. However, are you able to tell me what I need to do about my bank account? I have two accounts and both are joint accounts with my wife who will not be going BR, only me! The one account we share has our wages paid directly into, the other is used just to pay some bills.
Thanks for your support
David
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| 11 L A T E S T R E P L I E S (Newest First) |
| moonstriker |
Posted - 20 November 2008 : 09:38:42
I’m very pleased to see others recognise the support you give.
Whilst I don’t want to keep dwelling on the subject I do have to say just how important this site has become to me and how surprised I have been to see just how quick everyone is to respond. Even more so when the last couple of days have been especially bad for me where I have been at quite a low end, which hasn’t been made any easier by Sky Credit Cards constantly ringing, even though I have called them. Anyway, the main thing I wanted to tell you is that I have set up the bank account with the coop and I found it really easy over the phone. I have also cancelled the Standing Orders, etc. Now just to have my name removed from the other accounts.
Regards
David
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| Needafriend |
Posted - 19 November 2008 : 21:54:40
Oh dont your gonna make me blush :-)
You know that i do this as i like to help, whats more i have been where you lot are now and still am.
I am only 16 weeks into my BR and already i know that it was the absolute best thing i could have done. I still have hurdles to get over and i have a great load of friends who are there for me when i need it so its my honour to give something back to you all.
So that said i send a "Big Hug" to all of you.
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| movin on |
Posted - 19 November 2008 : 21:23:14
Hey David
Jo is being very 'shy' here....
She is absolutely FABULOUS and doesnt realise how much she does for everyone that either passes through or is a regular.
Jo you really are great and everyone on here who you have helped advised or just been a shoulder will no doubt feel the same.
You give up so much of your time and expect nothing in return....i for one think you are an amazing person.
XX
Onwards and Upwards is the way im going :-0)
xx |
| Needafriend |
Posted - 19 November 2008 : 21:14:12
Hey David
I dont know all the answers but i do try my best to be there, esp when people are feeling low and feel they have no where else to turn.
You take care and do whats right for you and yours.
Keep smiling :-)
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| moonstriker |
Posted - 19 November 2008 : 21:03:51
Thanks 'jO'.
Incidentally, I noticed just how much you seem to get around this site helping people like me out.
God bless you and thanks
David
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| Needafriend |
Posted - 19 November 2008 : 11:21:08
And David
I dont mind being called LOL ;-), i have been called a lot worse.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| Needafriend |
Posted - 19 November 2008 : 11:20:44
Hi david
I would do as debtrider has suggested and get it done sooner rather than later, like today.
Yes cancel the SO's and any DD's the essential ones can be set up in your new account once its opened.
The coop are very BR friendly and i have gone over to them, it is something that you need to do asap.
If utilites are coming out just get the new account open for your wife and you seperatley asap and then call the companies for the utilities and give new bank details.
Hope that helps.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| moonstriker |
Posted - 19 November 2008 : 11:06:07
Sorry Joe, I refered to you as LOL!!! You can see just how much I am stressed out by all this cant you?
David
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| debtrider |
Posted - 19 November 2008 : 11:04:57
Hello moonstriker
If it is only you who is going bankrupt then it is important to get your wife’s name removed from your account. I would advise closing a joint bank account if only one person is going bankrupt. Unless your bank account is with a bankrupt friendly bank like co op cashminder account then there is a good chance that the account will be frozen. Get your wife to open a bank account in her name only and get yourself a co op cashminder account and close the joints accounts or remove her name. Make sure you have money in the new accounts to pay essential living expenses and your wages are paid into the new accounts. Do this before going bankrupt.
Debtrider
Debtrider
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| moonstriker |
Posted - 19 November 2008 : 11:04:15
Thanks Lol;
On each of the accounts I have a standing order to repay a monthly sum in respect of two personal loans (both in my name only). Before removing my name from the two bank accounts should I cancel the standing orders, especially as by the time they become payable again I will have submitted my BR papaerwork.
Very sorry to sound thick!!!
David
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| Needafriend |
Posted - 19 November 2008 : 10:55:50
David
It may be worth having your name removed from your joint accounts and sooner the better.
That way your no longer liable on there and it would be in your wifes sole name.
Also it should not get froaen either.
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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