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Old lady & Bankruptcy

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  • Old lady & Bankruptcy

    An old lady, discharged bankrupt but tells me there's a court order taking £100 PM out of her state pension each month for 3 years "because you have a good income." She get £1100 per month in benefits and state pension.

    She goes to Lloys TSB for a current account (she doesn't have one) and they tell her they need a letter of authority from the court for her to have a basic current account. She wants a debit card and would like her pension paid direct into an account; at the moment she has to get into the post office to get cash out.

    She tells me the court charge a fee of £70 for a letter / authority.

    I don't knmow wnay more details that that. But I would like to know:

    1. can she have a basic bank account without having to pay £70 for the privilege?

    2. how is it that a discharged bankrupt is still paying her creditors through an attachment to earnings order via her state pension?
    Tags: None

  • #2
    Re: Old lady & Bankruptcy

    1. Yes.

    Lloyds are talking out of their bottom. Try a different, (slightly) less idiotic, bank. Barclays, Coop etc...

    2. Income Payment Order? Or perhaps an AOE for a debt that was non-provable in the bankruptcy?

    Regards an IPA/O, if she has any private income above or beyond state benefits, then that may be claimed in one of thsoe.

    See: http://www.insolvencydirect.bis.gov..../Annex%20A.htm

    If she doesn't, but is still paying an IPA/O, then she has been diddled by the OR/trustee and should look into getting it reassessed/cancelled. Either by voluntary agreement with the OR/trustee or an application to the court.

    Comment


    • #3
      Re: Old lady & Bankruptcy

      please accept these details

      http://www.co-operativebank.co.uk/se...urrentAccounts

      http://www.barclays.co.uk/Currentacc...P1242557963900

      Comment


      • #4
        Re: Old lady & Bankruptcy

        Thanks for those Puff,,,I need a basic bank account that I can't get into difficulty with

        Comment


        • #5
          Re: Old lady & Bankruptcy

          We have a Nationwide Flex account for our household bills and so on, its excellent, its worth taking a look.

          Comment


          • #6
            Re: Old lady & Bankruptcy

            watch the charge on the flex account , £15 for eac failed DD attampt and a charge for each debit card transaction , then if you go overdrawn another charge for an unagreed overdraught , then high interest . These charges are madwe 28 days later so that you cant fit them into the next payday and thus they roll on .

            Comment


            • #7
              Re: Old lady & Bankruptcy

              Thanks guys. Appreciated.

              Comment

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