I always give a firm a couple of chances before deciding what I am going to do.
If it's a choice between paying and not paying, I'll do the free everytime.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Morning All!
I have a Halifax Cash card account - had for 20 plus years - with the old visa electron on. Have to say on the whole not many probs apart from the Post office not taking it!!!!!! and the Body Shop - and a couple of others. I am just waiting to find it out now if they are freezing the account and cancelling it. Absolutely don't want them to do this - but if they do they do. i have just got one of those prepaid virgin cards (4.95 per month) for a back up system. I have a co-op super saver card with hole in the wall but waiting to see if that is frozen also and cancelled. I did try and apply for a Nationwide card before going BR but their whole application process on line was so up in the air. I applied and then heard absolutely nothing. So tried to call them - but was told the new applications department had decided not to 'turn in' and that it looked like it would be a few days before they did! So gave up. I mostly worried about my direct debits - the things that have to go by dd. i know I can revert to the post office for tv licence, phone bill etc. But stuff like insurance has to be dd. I have heard several folk on here discussing Think Bank. I have not heard of them before so will go and check them out too.
Hope you are all swell I am a froggy today cos my boy recons I look like one!!!! Ah ha ha ha.
Poppyfairy [:)]
There's an old zen saying 'Only an empty bowl can be filled'. It means that the moment you think you have nothing left is the moment when growth and progress become inevitable. Everytime you see an empty bowl, think of the potential.
Poppy, don't be surprised if the Halifax close your account as they are not BR friendly as fas as I know. Why not try the Co-op Cashminder account? In my opinion it's a better account than Think, (which I think is over priced and has rubbish customer service) and they are very BR friendly, including offering an account even if they were one of your creditors.
If it wasn't for the hassle in changing everything over yet again, I'd change to the Co-op tomorrow.
No way would I pay for an account unless I had to.
Yorkshire Bank are supposed to be very good as well.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I really like my co op account. I did get a letter from lloydstsb(one of my major creditors)on friday asking if I wanted to have a current account with them,strange given that I had to close my account with them when I went for my trust deed!!!
Arent banks funny?!?
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Good afternoon David and J - hope both of you and MIL are well?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
hello Jan - everyone well thanks - keep your fingers xed for Wed lotto - get your IVA paid off!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! and mine of course!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I tried to open an account with Yorkshire Bank when I was BR and they told me they didn't offer accounts to undischarged bankrupts. They told me that once I was discharged they may open an account, but I would need to go into a branch to do it - the nearest branches are nearly 20 miles away!
I don't know about B/R Skippy but the branch here will take IVA people and if the account is well conducted for 12 months will upgrade with no problem with no OD facility. Perhaps Yorkshire run an "old fashioned" type of banking where the manager can exercise his discretion.
I doubt it - I don't think any banks do that these days!
Personally I think that all banks (obviously unless they are a creditor) should be made to offer a basic account to people whether they are insolvent or not.
Totally agree Skippy - if Mandleson gets his way I think the proposed Post Office (peoples bank) is supposed to do just that. The attitude of banks seems to be that IVA and B/R people are dishonest which is total rubbish.
and the Body Shop - and a couple of others. I am just waiting to find it out now if they are freezing the account and cancelling it. Absolutely don't want them to do this - but if they do they do. i have just got one of those prepaid virgin cards (4.95 per month) for a back up system. I have a co-op super saver card with hole in the wall but waiting to see if that is frozen also and cancelled. I did try and apply for a Nationwide card before going BR but their whole application process on line was so up in the air. I applied and then heard absolutely nothing. So tried to call them - but was told the new applications department had decided not to 'turn in' and that it looked like it would be a few days before they did! So gave up. I mostly worried about my direct debits - the things that have to go by dd. i know I can revert to the post office for tv licence, phone bill etc. But stuff like insurance has to be dd. I have heard several folk on here discussing Think Bank. I have not heard of them before so will go and check them out too.
I am a froggy today cos my boy recons I look like one!!!! Ah ha ha ha.
