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Drifter25
Starting Member
United Kingdom
19 Posts |
 Posted - 02 March 2010 : 20:29:12
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| Hi all. Am going to court tomorrow to file for BR. Just wondered after seeing some posts on here should I empty my bank account tomorrow? Have a basic abbey account at min. Just worried I'll lose what money is left in there to pay for stuff at end of month. Thanks am so nervous doing this on my own |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 02 March 2010 : 20:56:47
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Hi
First of all good luck for tomorrow.
On the bank acount, I do not think the Abbey Basic Account (now Santander, I believe) is set up for undischarged BRs - so, maybe open a Co-op Cashminder account after you have petitioned and yes, to your answer of clearing out the Abbey account
do not be nervous about court - it will take 5 minutes.
Post back on how you get on, Richard
"There are no problems - only solutions" |
Edited by - Housing on 02 March 2010 20:58:05 |
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Drifter25
Starting Member
United Kingdom
19 Posts |
Posted - 02 March 2010 : 21:09:01
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| Can I do this tomorrow afternoon after I have been to court do you think. Just want to get to court first thing |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 02 March 2010 : 21:51:39
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Hi paul
it must be done before the court because after you have been declared BR your bank account belongs to the OR until they decide to release,
regards Richard |
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Drifter25
Starting Member
United Kingdom
19 Posts |
Posted - 03 March 2010 : 08:25:00
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| Am just waiting for bank to open to withdraw money. Set up a co op one last nigh. Hardly had any sleep and feel sick :-( |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 March 2010 : 08:53:58
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You can open a new bank account before or after going to court. I opened my bank account after I went to court as that meant there was no chance of it being frozen.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
32 IPA payments made, 4 to go - the end is in sight! |
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Drifter25
Starting Member
United Kingdom
19 Posts |
Posted - 03 March 2010 : 12:03:29
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Just seen judge. Waiting for certificate now.
Am hoping will only have to speak to OR on phone As am worried about getting time off work |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 03 March 2010 : 12:08:32
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Hi
Well done - that sounds to be a good result.
I have to say due to the current massive volume of BR cases, the OR seems to be doing more and more telephone interviews these days.
Good luck, Richard
quote:
Originally posted by Drifter25
Just seen judge. Waiting for certificate now.
Am hoping will only have to speak to OR on phone As am worried about getting time off work
"There are no problems - only solutions" |
Edited by - Housing on 03 March 2010 12:08:53 |
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Drifter25
Starting Member
United Kingdom
19 Posts |
Posted - 03 March 2010 : 12:14:49
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Thank you for yr help. None of my
friends and family know so I'm doing it all alone. This forum has really helped |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 03 March 2010 : 12:43:40
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That is good to hear - please use the forum whenever you see the need - you can post at any time and the answers are here for you.
It also assists others if people are able to share their experiences.
It may help to tell your close family and friends - I did and they were all very understanding and I am glad that I did do so. There is nothing to be ashamed about, however, I understand if you want to keep the matter to yourself. Noone need know, the OR does not inform the local press these days.
I wish you well, Richard
quote:
Originally posted by Drifter25
Thank you for yr help. None of my
friends and family know so I'm doing it all alone. This forum has really helped
"There are no problems - only solutions" |
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Drifter25
Starting Member
United Kingdom
19 Posts |
Posted - 03 March 2010 : 13:10:44
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| Just left with certificate. If I pay my car and phone bill monthly are they likel to be cancelled do you know. hAve never fallen behind with payments |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 03 March 2010 : 13:19:08
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Hi
Congratulations again.
the direct debits on your basic account will continue to be paid, However, if not, I recomend that you open a Coo-op Cashminder and do them from that account
Richard
quote:
Originally posted by Drifter25
Just left with certificate. If I pay my car and phone bill monthly are they likel to be cancelled do you know. hAve never fallen behind with payments
"There are no problems - only solutions" |
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Drifter25
Starting Member
United Kingdom
19 Posts |
Posted - 03 March 2010 : 13:21:07
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| Yes I opened a co op one last night. Just wasn't sure if the OR would inform my phone and insurance company and tell them |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 March 2010 : 14:18:51
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I agree with Housing, you need to make sure that your direct debits are set up to come out of your new account.
I would also recommend checking the small print of your insurance to make sure that it's not invalidated by going BR. There was someone on here a while back who had that problem - I think the insurance company was Aviva.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
32 IPA payments made, 4 to go - the end is in sight! |
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Drifter25
Starting Member
United Kingdom
19 Posts |
Posted - 03 March 2010 : 15:59:10
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| Have just spoken to tesco and they said as long as I keep making payments I'll be fine. Does the official reciever ask for any other paperwork other than what was handed in at court today. Sorry for all the questions |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 March 2010 : 16:04:51
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Don't worry about asking questions!
I was sent a 'pack' by the OR requesting credit card statements, bank statements and loan agreements - if you have a look at my blog I've listed what I was asked for.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
32 IPA payments made, 4 to go - the end is in sight! |
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Topic |
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Court tmorrow bank account
