‘Best Bank’ for accounts post bankruptcy: 1) Metro Bank offer a debit card savings account (currently 2-3% savings interest depending on amount in account and minimum deposit) without direct debit facilities until after x years from discharge from insolvency. They also have coin counting machines for you or your children to pay into your change into (Also helping treasurers of clubs / societies / associations). 2) Nat West Bank offer similar but at a lesser rate of interest 3) The Financial Services Authority and now the Money Advice Service have produced leaflets showing other banks and Mutual societies and the services their accounts offer previous insolvants. (www.moneyadviceservice.org.uk) To pay for utilities and household insurance, you would need to phone up monthly and pay the amount from your income / benefits or have a key meter. For a one bed flat the amount would be £100-150 annually (Lloyds TSB) which works out at approx £10-15 per month. To get these accounts you would need the discharge certificate from Debt Relief Order (after one year if on state sickness and lower level Unemployment benefits and resultant benefit combinations) and / or bankruptcy (1-six years). Reasons for Bankruptcy: 1) Credit and shop store cards, ie the ‘consumerist lifestyle’ 2) University education if parental income is either too high or too low for state assistance combined with first job income depending on the loan / grant repayment interest rates (if tied in part to UK state debts) 3) Dropping out of FE after doing a resit year till age 19 or HE after 1st 2nd year as a full time student on really low grades. 4) Losing your job while a part time or distance learning university student so that you can’t afford the next module or having attempted previous HE study, do not qualify for grants / allowances too attend the lesser number of seminars / Tutorials (unless you’re recognised disabled and qualify for Free / Discounted Public Transport fares). This can apply for both Undergraduate and Postgraduate qualifications. 5) Having been an eijit and drunk too much or developing a illegal drug problem and thus losing the ‘work effort’ if a full time student. If such get community mental health referral and NHS sick notes from your Doctor or NHS Direct / 111 helpline so that you can get a referral for detox and to quote the non professional ‘annonymous’ addiction societies (AA, NA) live ‘clean and sober’ so as to complete FE / HE exams as distance learner while in employment so you have a complete Cert HE / DipHE/ FD / HND to give you the best abilities and skills for the distance learning Third year modules (such as Open University, London, and taught modules such as Birkbeck). You could do subjects such as Psychology, Counselling and intro to social work modules so that you can apply for internships / Pharmacy training with the NHS and then get a job in nursing or pharmacy. AA /NA allow for the use of wine In Holy Communion (though depending on your sponsor may say that some churches use non alcoholic wine / Blackcurrant Squash. 6) An alternative to 5) is staying in part / full time employment from 18-21 from a company that offers sponsorship for management training or Undergraduate degree or professional training to be an ‘in house’ legal or medical personnel. These would include supermarkets and restaurant chains / franchises or the Emergency / Armed Services and government departments. For these reasons you would need to see the Universities Welfare / Finance department, and if you are a member the Universities SU / NUS counselling department to aid the preparation of County Court Papers (in the legal jurisdiction of England and Wales and in accordance with the UK insolvency service guidelines), and the home Citizens Advice Bureau or where a student would like to settle with their partner / spouse. The NHS guidelines allow a time period on DWP sickness benefits and gradual voluntary work to part time work and depending on how you do / go and your age full time work eventually. This is regulated in Greater London by either or both Mental Health and Addiction Recovery services in Hillingdon these are both run by a multi borough Community Mental Health trust, in Ealing it is based more on one borough NHS Trust (west London) on the former site of St Bernards hospital. Kings College Hospital is based in Denmark Hill and Waterloo training building near St John Church (1951 Festival of Britain), Imperial in South Kensington, University College by Euston Square and Warren Street tubes and QMV near Mile End. South of the River is St Marys (SW London) The Universities that offer Nursing and Social Work courses are: West London (Ealing) Bucks New (Uxbridge) Brunel Birkbeck (Bloomsbury / Stratford). Adult ed colleges that offer certificates: Uxbridge and Harrow Colleges (night / afternoon) classes Hillingdon Adult Education (see 2012-13 prospectus from Brookfield Adult Education centre or available from the LBHillingdon Libraries). Minimum age 18 for enrolling for these (instead of Family / Disabled modules with a possible exception being foreign languages). City Lit College, Holborn