I was stuck with a saving account which has just stopped allowing direct debits.
I've struggled along without a proper account cos of my IVA.
I applied again today (IVA F&F settled) and been offered their top account with all the trimmings. Even a CHEQUE BOOK lol. I've forgotton what they look like.
onwards n upwards... [:D]
I don't think I'll take their credit card though [B)]
F&F accepted Feb 2011
Live in the moment.
Living in the future in your head means you live on fantasy and fear!
I don't use cheques often but they do come in handy sometimes.
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 use my chequebook now and then as I collect and pay the office charity donations an a lot of the smaller charities don't have debit card facilities.
I think it's wrong to phase out chequebooks - charities and small businesses will be hit hard by this. OH is self employed and can only accept cheques or cash so I don't know what he's supposed to do!
well done Darth-take it easy mate, dont let it go to your head(or wallet).
I reckon we will stick with our no overdraft,no frills account when we finish-I am just too crap with money!!!!!
full and final accepted January 2015
iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
Although I have a full bank account I don't have an overdraft. It just makes life easier having a full debit card (which I know a lot of basic accounts have now) and chequebook. I would like a £50 'buffer' though, just to be on the safe side!
We still have our full Barclays account from pre-iva (no overdraft though!) as they weren't one of hubbys creditors just mine (Barclaycard).
We'll keep it going so that we can go back to it full time once the IVA has finished. Nationwide are ok but it is just the basic account.
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
The only reason I switched to Nationwide from the Co-op was because it was a full bank account and it seemed pointless not to use it. I've also got a basic account with Nationwide that I use for housekeeping - it's so much better now it has a debit card!
