Hi
Not a question? But a sickening observation! I have been in an IVA for twelve months. My husband and I had an excellent credit rating, no defaults or ccjs. We both had good salaries so borrowing was never a problem! Great news for the bank eh! Then hubby loses job we can't afford to pay everything back, we want to keep the house, pointless selling it as there is little equity. So heh! ho! IVA. Here we are like thousands of other people in the same situation, kicking, fighting and struggling to keep our heads above the ever lapping waves of budgeted living costs and IVA commitment. Then! enter the sharks! Agencies! catalogue fold! want to help me to get out of our IVA. The solutions offered are incredulous, and would leave me paying high interest rates for many years. More recent the band of cybernet robbers! who want to charge me as much as £40 for their apparently exclusive list of high street Banks that would provide an IVA/Bankrupt with a basic account!!! Even when you are struggling to survive these B.....ds are out there preying on people who are feeling very low, vulnerable and sometimes desperate. If it can help anyone, I found for free! three banks that will let an undischarged IVA/Bankrupt open an account. Cooperative plc, Barclays and Nationwide. The Cooperative will issue an Electron card which is useful when shopping, and online banking. Finely one last observation from the bottom of the barrel. I stood in a que at Lloyd's Bank, a young man roughly dressed accompanied by another who translated "he wants to open a bank account, he works for me" Clerk; "have you been in the country at least three months" Yes was the answer and on the production of a passport and a provisional driving license the account was all but opened. I have been in the country since birth 49.6yrs. I have worked full time since I was 18yrs earn a good salary but I am in an IVA. Cough! cough! the computer says NO!
Thanks for reading
