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Bank account after bankruptcy

Discodancer_2
Discodancer_2 Posts: 63 Forumite
in Bankruptcy & living with it
I was declared bankrupt on 2nd January, I bank with Natwest and they are not one of my creditors. The account hasn't been frozern I asked permission from the OR if I could continue to use the account, it is a joint account with my husband he is not bankrupt. Does this mean that I can keep the account. I have made an appointment with the bank to this.
Lost in space🚀

Comments

  • arcon5
    arcon5 Posts: 14,099 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    I think most will advise that the joint account is closed, otherwise you will be 'associated' with your OH and it could affect his credit rating.
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    It is the bank's call.

    As said, it would have perhaps been better if you had opened a separate basic account for yourself.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • alastairq
    alastairq Posts: 5,030 Forumite
    .to add....the basic bank accounts to which the OP will now have access to, will likely only be Barclays......
    No, I don't think all other drivers are idiots......but some are determined to change my mind.......
  • Discodancer_2
    Discodancer_2 Posts: 63 Forumite
    Unfortunately Barclays are one of my creditors if Natwest closes my account my husband has an account with Santander so I guess I will have to get my salary paid into that? I guess that is okay.
    Lost in space🚀
  • alastairq
    alastairq Posts: 5,030 Forumite
    Unfortunately Barclays are one of my creditors

    According to information on this forum, Barclay's will allow a basic account despite being a creditor
    No, I don't think all other drivers are idiots......but some are determined to change my mind.......
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Discodancer wrote: »
    Unfortunately Barclays are one of my creditors if Natwest closes my account my husband has an account with Santander so I guess I will have to get my salary paid into that? I guess that is okay.

    Yep. That would be OK.
    alastairq wrote: »
    According to information on this forum, Barclay's will allow a basic account despite being a creditor

    Certainly used to be the case anyway.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
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