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martin dy2
Starting Member
United Kingdom
6 Posts |
 Posted - 03 March 2010 : 09:40:42
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Hi, I hold a Natwest step account will they stop me using this if/when I go BR? if so where should I go, co-op is one I have read a lot about, anyone recommend any others, I don't have a local co-op to me........ Please not the halifax I owe them enough 
TIA
Martin |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 03 March 2010 : 09:48:29
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Provided you have no other debt with Natwest such as a credit card or loan you will be able to retain and use your account.
When completing the forms only list bank accounts where you actually owe money, do not list the Natwest step account on the forms. When you have your telephone appointment with the OR you can inform his at that stage that you have a bank account with...and provide the OR with the relevant account number and sort code.
I always advise this to make sure no one gets their account frozen by accident, although the OR will 'unfreeze' any bank account which is to be continued with, it can take up to 5 working days without access to your funds
Hope this helps
Melanie Nicholas
29 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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Caroline
New Member
58 Posts |
Posted - 03 March 2010 : 16:15:37
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Just to say I don't have a Co-op branch anywhere near me either, I simply opened the account over the phone - I can make cash or cheque payments into the account at my local post office and do everything else on internet banking - great account, very happy with it
In fact I opened my new account a couple of weeks before I went BR.#
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ONK
Junior Member
135 Posts |
Posted - 03 March 2010 : 16:20:25
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I have no probs with the co-op either , and as others if i need to pay in i use the post office as have no branch near me. Use the internet banking for everything else.
Lyndsey |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 March 2010 : 20:07:42
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Like the others I don't have a local Co-op branch so I use the Post Office and I can't fault the service.
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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Frank Butcher
Starting Member
United Kingdom
6 Posts |
Posted - 04 March 2010 : 05:19:37
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quote:
Originally posted by Melanie.n
Provided you have no other debt with Natwest such as a credit card or loan you will be able to retain and use your account.
When completing the forms only list bank accounts where you actually owe money, do not list the Natwest step account on the forms. When you have your telephone appointment with the OR you can inform his at that stage that you have a bank account with...and provide the OR with the relevant account number and sort code.
I always advise this to make sure no one gets their account frozen by accident, although the OR will 'unfreeze' any bank account which is to be continued with, it can take up to 5 working days without access to your funds
Hope this helps
Melanie Nicholas
29 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
Hi Malanie We currently have a Allience & Licester account which is part of Santander If we decide on BR can we keep this account or should we change to a Co-Op account as we owe money to Abbey in our IVA which is part of Santander!
Cheers
FB |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 04 March 2010 : 06:45:53
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| If you have debts with the bank then the account will definitely be closed. I would recommend opening a Co-op account as you know that the account will be allowed to remain open. |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 04 March 2010 : 11:46:19
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Hi
As far as I can recall, the Santander accounts (previously Abbey and Alliance & Leicester) are not BR friendly - unless you are discharged already.
I highly recomend the Co-op as has been already mentioned by others.
Good luck, Richard
quote:
Originally posted by Frank Butcher
quote:
Originally posted by Melanie.n
Provided you have no other debt with Natwest such as a credit card or loan you will be able to retain and use your account.
When completing the forms only list bank accounts where you actually owe money, do not list the Natwest step account on the forms. When you have your telephone appointment with the OR you can inform his at that stage that you have a bank account with...and provide the OR with the relevant account number and sort code.
I always advise this to make sure no one gets their account frozen by accident, although the OR will 'unfreeze' any bank account which is to be continued with, it can take up to 5 working days without access to your funds
Hope this helps
Melanie Nicholas
29 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
Hi Malanie We currently have a Allience & Licester account which is part of Santander If we decide on BR can we keep this account or should we change to a Co-Op account as we owe money to Abbey in our IVA which is part of Santander!
Cheers
FB
"There are no problems - only solutions" |
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bank account's after BR ?
