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How to dropship
 
 
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Hi


I have a very specific question concerning bankruptcy. How quickly do the banks move to freeze an account?


Here is my situation. I think that I was declared bankrupt today as a result of a petition by HMRC. (I was unable to attend the hearing as I am abroad on work, and I did ask the court for an adjournment by letter for this reason, but let's assume the adjournment wasn't granted.)


I assume that because Monday is a bank holiday I won't appear in the insolvency register until Tuesday at the earliest.


I should get paid by my employer next Wednesday (by Faster Payments, not BACS).


I have two accounts: a NatWest Select Silver, and a Cashplus prepaid debit card. I don't have any borrowing, or a chequebook, on either. There's not much in either of them.


Currently my salary goes into the NatWest account but it would be easy enough to change that before my payday.


Ideally, what I need to be able to do is to get some cash and pay urgent bills (rent etc.) as soon as I am paid - then that gives me several weeks before the next payday to sort out a new basic bank account if I need to, and obviously I will have spoken to the Official Receiver by then anyway.


So, is it likely my NatWest account could be frozen as early as the Wednesday?`


Would Cashplus be likely to freeze it at all?


If I called the NatWest insolvency team on Tuesday (I have the direct number) would this help avert the problem, or would it just alert them to the bankruptcy and make them more likely to freeze it?


Obviously, the timing and being away from home just make things more complicated, but there's no avoiding that.


Any advice much appreciated!


Thank you


Dan

I note that this thread is close to hitting 16,000 views now. That just shows the extent of the problems this horrible procedure brought in by this cretinous Government has caused for thousands of people. I hope as many of you as possible are appealing now. It may look like a nightmare, but just follow what I've advised in here step by step to defeat this despicable process.






Please note: my comments are based only on my own experiences of debt and the benefits system, it is always best to contact a professional debt adviser/Citizen's Advice etc for advice.

Here's an update regarding Appeal waiting times for the Glasgow Tribunal Service. My Appeal date was set for 10 weeks after it was received by them. I expected it to be at least a month or 2 more than this. Clearly the number of appeals they are receiving has gone down significantly since the Mandatory Reconsideration was introduced, which of course was why it was introduced. Previously you could appeal as soon as a WCA deemed you fit for work. What's happening now of course is after the WCA, many people do not know how to go through this Mandatory Reconsideration process and I'm sure a large number of people just give up and don't bother appealing at all. Once again, that's exactly what the Govt hoped would happen. If an appeal can be arranged in a city the size of Glasgow within 10 weeks it clearly shows not enough people are appealing.
 
I was booted off ESA by a comedian who sat typing continuously at speed into a laptop, asking me questions while he did it but hardly lifting his eyes to look at me. The speed he went through it at also made it obvious he was on commission, based on how many people he could boot off ESA in a day. However, as described above, I went through the Mandatory Reconsideration process and my ESA was re-instated pending an appeal date. If you are in the same situation I was after a WCA, just follow exactly what I have advised to do in this thread and your ESA will be re-instated.


As over 12,000 people have now read this thread, I hope a huge number of you are appealing against this discriminatory disgraceful system.