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About delcon68

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  1. hI I too went bankbrupt a couple of weeks ago, i have my phone interview with the OR on 10th feb, but i have been able to sort out a bank account, well two actually. The 1st (as i need to have my wages paid into account today) was with Think bank account, this has an inital charge of £25.00 then you have to pay £12.50 monthly fee for managing account. You get a mastro card, not credit checks, on line banking, managed account so you never get charges, plus you get your account number and sort code immediatley. The 2nd account which i found out about today is the Co-op bank, i did ring them
  2. Hi again Sorry just need a little advice re : a Dell computer i had, i am still paying for it but, do not have it any more. Will i be able to put this with my bankrupcey, on the agreement it is called a Fixed sum agreement not a Hire purchase which i thought it was at first? Thanksx
  3. Hi Sorry i think i understand about posting it up, you mean the CCA? not sure if you will understand but i just felt that, I was under pressure to talk to them, i had been avoiding it and was getting worried, so i tried for the IVA which i was told would be accepted. So i did what i was told my Money,Debt and Credit, cancelled all D/d and standing ordered, changed bank accout, as i had an overdraft with old bank, so that had to go into IVA. Then a man came out the next day, took all my detials along with payslips, bank statemenets etc. Then i got a call just after christmas telling me th
  4. Hi I am in court on Friday this week, very scared not sleeping brilliantly, i have filled the forms out on line and made 3 copies. had a few phone calls asking for money but am not saying anything. Link keep calling but i am not answering. Feel very let down by company who said they could guarentee an iva for what i could just about afford which was £225 plus increaded when i stop paying maintance to £450.00, this will be in about 2 years. I stopped all D/Debit which i had be paying and changed bank account leaving the old account with my overdraft. I feel like a thief. i cant beleive
  5. i can not get access to that page. I was using an agency for the IVA who did all the work.
  6. new update, I have applied for an IVA and have been told that Link will not accept this. so my only course of action left will be to go bankrupt. xxx
  7. Hi just updating - it looks like the loan was my ex's which i did co sign with him. This has been the last straw..... i have applied for an IVA which i found through this web site, sounds ok, but not sure, might have to start a new thread. Good luck to every one else. I have just oopend a new bank account, only got a basic basic one. xx
  8. will do that next week, thank you for getting back so quick.
  9. Will do that next week. Thank you
  10. Hi I had a copy back last saturday which is an agreement, it is definatley my signature on it. Then this week i received a letter in respoonse to the one i sent them, there letter is as follows:. Dear Mrs ................ Please be aware a copy of your agreement was supplied to you on the 17th November 2008. We have therefore complied withour obligation under the comsumer credit Act 1974 and do not consider your account to be in dispute. The responsibility to manage the information placed with the credit reference agencies by Abbey Natinal plc was also passed at the time of purchase. T
  11. Thank you for all your support. I have just sent letter off recorded also got proof of postage. I also donated to the cause via the link at the top of the page. xx
  12. would the 12 + 2 days be working Days? Please
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