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 bankruptcy postbag for june
 payments from account
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km1
Junior Member



173 Posts

Posted - 28 May 2008 :  19:13:52  Show Profile  Reply with Quote
I recently filed for BR after spending 3 years making the decision!! I am due my interview with the OR on 23rd june and need to know what to do about my direct debits for my bills and rent etc..also my salary.
I currently have two cashminder accounts, one is my main one which all my bills go out of and one is for my ex to pay maintenance into. I know these will probably ne frozen. I need to know how to ensure my bills are still paid etc. Do I...
1. Go to the CO-OP and explain things and ask their advice. Can i open a new account?
2. Change all my details over to ,my dads or daughters account prior to the interview so that everything gets paid?

I am absolutely petrified i fall behind or dont pay my rent unintentioanlly as i dont want to lose my tenancy!!

Please help :)

K.

henrytc
Junior Member

United Kingdom
194 Posts

Posted - 28 May 2008 :  19:33:45  Show Profile  Reply with Quote
Hi KM1
I had 2 cashminder a/c one is a savings a/c and the other a current. i was allowed to keep both i didnt have any spare money in the a/c only for household living. nothing was frozen I caled coop to let them know what was happening and they were fine. hope this helps good luck.
Tracey x
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m and v
Average Member



United Kingdom
760 Posts

Posted - 28 May 2008 :  20:09:01  Show Profile  Reply with Quote
Hi km1 - its the banks decision to freeze an account not the ORs. Fortunately Co-op are BR friendly so keep them informed and I am sure both accounts will be ok.



Vicki x
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km1
Junior Member



173 Posts

Posted - 28 May 2008 :  20:31:26  Show Profile  Reply with Quote
Guys thankyou so much!! I will sleep easier tonight and will speak to the bank on monday

K x
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JulianDonnelly
Junior Member



United Kingdom
325 Posts

Posted - 29 May 2008 :  09:40:01  Show Profile  Visit JulianDonnelly's Homepage  Reply with Quote
Hi Km1 and welcome to the forum.

It is generally standard banking procedure to freeze all accounts following the advertisement by the OR in the London & Stubbs Gazettes. However, the OR can write to the bank to get this account(s) un-frozen. I would suggest talking to your bank and advising them of the situation.

Regards

Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
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km1
Junior Member



173 Posts

Posted - 03 June 2008 :  15:00:54  Show Profile  Reply with Quote
Afternoon, had to change my username coz i forgot my password..Doh!! Went into the bank today and they have assured me that it wont be frozen as i have a good record with them. They put a note on the account to say I 'd been in etc and were really supportive:) Next hurdle OR interview 23rd June

Kelly
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m and v
Average Member



United Kingdom
760 Posts

Posted - 03 June 2008 :  16:05:35  Show Profile  Reply with Quote
Good news Kelly!
Let us know how you get on on the 23rd - shout if you need to know anything before you go - it's not that bad honest!

Vicki x
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JulianDonnelly
Junior Member



United Kingdom
325 Posts

Posted - 03 June 2008 :  16:56:02  Show Profile  Visit JulianDonnelly's Homepage  Reply with Quote
Hi Kelly,

Sounds like you've got a great bank manager .... hang on to this one :)

Regards

Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
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