BR -Well the deed is done!

[pippa]

Yes good luck from me too.


Pippa.

[BrassicLintus]

Thanks Skippy and Pippa! Pippa will let you know how I get on with the OR and maybe between us we'll get answers to all questions relating to filing for BR in South Wales!!!!! God bless you both. xx

[MelanieGiles]

I've just worked out who you are!!!! And you know, you two live so near to each other - and about 1/5 mile from me it is uncanny!! Small world.

The newspaper used by the OR in Cardiff is the Western Mail - but the ad is about 2 cm long, so I wouldn't worry too much about it.

Best of luck to you both in the future, and I shall follow your cases on the forum with great interest.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[Soulgrowth]

Well done! Just goes to prove the old saying that it is only when we face our fears that they recede

In terms of bank accounts, I have found Nationwide to be absolutely brilliant ... and I am sure that the Experts will correct me if I am wrong ... but I don't think they are linked to any other institutions ... so it really is a fresh start? Indeed, they were the ONLY institution that I DIDN'T owe money to I survive very neatly nowadays on a combination of my basic Nationwide account and my Cashplus card for 'immediate' purchases such as petrol and hotel bills associated with my business.

Debbie

[Skippy]

I agree about Nationwide - they are very good. The only reason I use my Co-op account is because of the Debit Card. If I had been unable to open an account with the Co-op I would have been more than to use Nationwide.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[BrassicLintus]

Yes Melanie, I had to change my name on here because I had trouble logging on with my old one! Maybe Pippa and I should get together and form our very own BR Club!!!!

[BrassicLintus]

Oh and just to update, my mortgage payment did clear my account just as Andy said it would, so many thanks! But I have another slight problem! Last week I used my card, and I had thought that the payment had cleared, (well to be honest I had so much on my plate I never really checked!) but it hadn't and they only requested it yesterday - but it's not yet showing going out of my account. I realised this yesterday and contacted the company to put a stop on the payment but they said that the transaction had gone through, but this now means that my account will be overdrawn. But I declared to the OR that it wasn't OD! Should I pop in to the court and clarify this? Will this reflect badly with the OR?

[Skippy]

Hmmmm, I'm intrigued now!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/