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end or teather
Junior Member
United Kingdom
254 Posts |
 Posted - 28 September 2008 : 18:22:36
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Hi,
Had some letters from debt collecting firms, so is it best to ring the court and ask for a date to go BR ?, when i get a date do i tell the creditors or not ?, I am going to phone the co-op bank tomorrow and ask about opening a cashmimder account, do i tell them i am applying for BR?,
Any advice most welcome.
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 28 September 2008 : 18:55:01
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Hi 'end of tether' ,
I always start by saying i am by no means an expert , but will gladly share my own experiences so far .
We are going BR this friday , and rung up last tues for the appt . Since getting our date various creditors have continued to phone and i have now started telling them i am going BR on the date in question . All they say is ' ok , please let us know when you have done it ' . Had no abuse or negativeity from them at all . In my mind by telling them now it stops the phone calls and letters every day .
As for the bank account , its up to you , i personally will wait til have gone BR but others on the forum have opened accounts prior to BR and not used them until after , and just informed the OR what they have done .
Andy |
Edited by - digman on 28 September 2008 18:57:00 |
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end or teather
Junior Member
United Kingdom
254 Posts |
Posted - 28 September 2008 : 20:39:34
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Hi digman,
Thanks for your reply, just wondering if anyone on here had informed the coop bank they are going BR, and if so what was the outcome.
Thanks. |
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soscared
Junior Member
United Kingdom
229 Posts |
Posted - 28 September 2008 : 20:46:36
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| i opened an account a couple of weeks with our local credit union which is a co-op account. i am going bk on thur. i have not used the account yet but will be paying in some money tom to cover dd's due out 1st oct day before i go bk. i spoke to credit manager at the local credit union who advised they do not usually close the account because it is a basic account unless the or advises them to do so.. if it is closed then i will have to open another basic acc elsewhere as some people on here have been allowed to keep accs open prior to bk others have opened them after br. so i will have to see how it goes. |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 28 September 2008 : 20:48:01
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Hi end of teather
I am going BR on 13 October and have already opened the coop cashminder account ready. I have infromed them of my planes and they are fine with it - this seems to be the best account to have in our position at the present time.
I have also added it to my list of accounts on the form, however am going to inform the OR once i have my meeting with them.
Hope this helps a little
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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end or teather
Junior Member
United Kingdom
254 Posts |
Posted - 28 September 2008 : 21:19:25
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Hi Moneyworries,
Thanks for your reply, i will phone the coop bank tomorrow to open an account and explain i am applying for BR. and just ask what the situation is.
Thanks once again. |
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Bank accounts
