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hi can someone help..my husband obtained his credit report last year...as could not gain a bank account..he was in a voluntary admin order with local court..and now from jan 2011 ..was debt free...still could not get bank account..the lady in bank..was saying he was a undisclosed bankrupt...this in not so..never been bankrupt..and we would have known about it...lol....where have they got this info from...any help would be great...

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Hi, Could this be ''undischarged BR'' meaning that final papers have not

been issued, he should contact his administrator.

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Have moved this to legal issues.

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http://webarchive.nationalarchives.gov.uk/+/http://www.insolvency.gov.uk/bankruptcy/alternativestobankruptcy.htm

 

A voluntary admin order is an alternative to a Bankruptcy order - there must have been an insolvency administrator involved.

 

You might need to contact the court where the order was agreed to ensure that everything is clear. If you scroll down you will be able to read up about the VA :)

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Voluntary Admin Order Via Local Court???
yes..he did this voluntary..and paid the court...the order was paid in full january 2011 and has the confirmation..and satisfaction certificate...to prove this...i cant understand why they think its bankruptcy.as the bank told my husband this is the reason he was turned down for bank account...he has sent off for a latest credit report...so should be classed as satisfied..if im correct...
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Hi

 

He would have had an "Insolvency Practitioner" dealing with this on behalf of the court you also need to contact the court and request who the insolvency practitioner was and explain to both your circumstances.

 

I would also write to the bank that refused to open an account and request where they obtained there information of him being an "Undisclosed Bankrupt" as you refute this claim and therefore require full clarification as not only why you were refused to open an account but where they obtained the incorrect information.

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In the meantime you might want to try a basic bank account. Barclays and the Coop do them and they don't require a credit check. (You might want to take the satisfaction certificate with you just in case).

 

You get no overdraft but they do direct debits and you get a cash card. The Coop is very strict though, 3 strikes and you are out. I.e. 3 bounced payments or going in to debit means they will close the account.

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