Cheque guarantee card

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LoneRanger

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Post by LoneRanger » Fri Jul 11, 2008 10:20 pm
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Can you have a cheque guarantee card whilst in an IVA? Assuming the bank lets you? And assuming i ever get into an IVA with my current situation....

Regards

Steve
Steve.

IVA approved!
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Shining

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Post by Shining » Fri Jul 11, 2008 10:25 pm
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I have one Steve with Smile online banking, I have this with the approval of my IP although I only use it for school activities for daughter as they insist on payment by cheque the whole time even for minimal amounts. The account has no overdraft facility and I only pay into what I need to spend on cheques and use my Natwest account for all other expenses with Solo card.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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LoneRanger

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Post by LoneRanger » Fri Jul 11, 2008 10:31 pm
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Thanks Lesely, there are just certain things that are coming to mind that i dont know if i can and cant have or do etc

Steve
Steve.

IVA approved!
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Shining

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Post by Shining » Fri Jul 11, 2008 11:01 pm
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We're all to help Steve, keep posting and I'm sure somebody will have the answer to most of your queries and there are experts here for the more technical queries. All the best x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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angela18

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Post by angela18 » Sat Jul 12, 2008 8:39 am
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we have guarantee card with cheque.. but to tell you truth never used it except to pay first couple of IVA payments. ours is Smile too
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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Skippy

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Post by Skippy » Sat Jul 12, 2008 11:30 am
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I had a chequebook and cheque guarantee card when I was in my IVA.
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kallis3

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Post by kallis3 » Sat Jul 12, 2008 2:47 pm
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We don't have a cheque book or card with Nationwide. I have kept our Barclays account open, but as they are one of my creditors, there is all of 45p in there!

I shall keep it going until such time as they either close it, or my IVA finishes and I can pay money in and use the cheque book again.
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
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chardonnay

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Post by chardonnay » Sat Jul 12, 2008 4:02 pm
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Hi There,
I have been told, but can't verify, the Co-op will offer you a cheque book after six months. You do miss the security of a cheque book, but at the same time it helps not to have one as the risk of further increasing debt is removed. Be sure you want a guarantee card for the right reasons.
Take care,
Hugs,
Chardonnay
Chardonnay
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Shining

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Post by Shining » Sat Jul 12, 2008 5:25 pm
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I've never used my guarantee card at all, I only needed the cheque book for daughters school as they insist on chq payment or it's a visit to the finance office and she won't do that
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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