Pre bankruptcy joint account questions

Snowflake101

On Tuesday Barclays Bank removed my name from the joint account I have with my abusive ex who was refusing to sign to remove her name. It used to be my sole account years before we met. Barclays said this was the best solution.

On the bankruptcy application I obviously have to put in the details of the account as I had it within the two year time frame they ask for. But then there is the question “is this a joint account”. Which box do I tick here as it was joint but now isn’t. It has a zero balance as my ex hasn’t used it since leaving last March and I started to run down the small amount of funds over the last few weeks as I was aiming to try close it but Barclays wouldn’t let me due to ex.

Will the OR inform my ex in any way of the bankruptcy?

My main bank account is my first direct account and all my benefits and direct debits go out of there. I know they will close it when I go bankrupt. I opened a Monzo account a few weeks ago so I was wondering whether to do the full switch over to Monzo now so my bills can continue to be paid as I understand Monzo will be more likely to let me keep the account. I am worried about direct debits for utilities bouncing and getting charges once the first direct account is frozen. I have already cancelled the direct debits for my debts.

Minkym00

Tick to say it’s joint account and just explain when they ring you that you now longer have an interest in the account.

Has First Direct said they will definitely close the account? All accounts are frozen soon after the order (so best to time it after the big DDs have already gone out) but as long as there’s no credit facility on there you may be able to keep it.

Snowflake101

Yes First Direct have said so. My direct debits are completely spread out over the month unfortunately, both incomings and outgoings. As I understand it Monzo tend not to close post bankruptcy so I think I will do the switch in a day or so and then there is a break of about 10 days before the next DD is due out.