I've no idea Foggy, I only transfer money into the account from my Natwest one and then write a cheque as at the time the Natwest didn't offer me a cheque book (although it does now).
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Trouble is - they have already use overseas offices for non urgent services,and they streamlined their front staff in the UK a few years ago.
They pushed for people to use their secure message service (as its cheaper for them) but their own response time have quadrupled. And their Banking telephone service cost about 8p/min
You could always use Saynoto0870 ginger to get a normal number. I use it all the time.
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
As said the account closed - i am sure they were glad to get rid of me -it cost them to much money (they have aready paid me about £50 - for bad service as a way of an apology.
We still have our Barclays account open. They were one of my creditors but not hubby's and at least it is a full account with cheque book. We pay enough in to keep it open and will probably return to that post IVA. Nationwide is ok, especially now they've upgraded the debit card, but I prefer Barclays.
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
also if you have a branch near you check out the yorkshire bank.they do a cashminder type account if you cannot get a full current account.
they are iva friendly and the online banking is very good and free.
they are not related to any of the big lenders so chances are you will be fine shifting your stuff to them.
cc received 6th January 2014 now upwards and onwards
Thanks for all your advice. Am going to write to all our creditors to explain cannot meet their minimum payments but will send them a token payment as that is what Payplan has recommended. Not looking forward to receiving the harrasment from the credit card companies/bank loan companies whilst trying to sort IVA. Hope it is all going to be OK as really don't want to go bankrupt but we do hav surplus income so fingers crossed!
You will get harrassment and it is a pain. I never made any token payments at all.
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 harrassment is a pain in the bottom. But remember that you are one step ahead of them and they cannot do anything to you now that you are inthe process of setting up an iva. xx
