A month and in limbo??

JL2083

Hi, just wondered if anyone else is in a similar situation?
I was declared BR on 5/3/2020 today its the 5/4/2020. Two weeks after I submitted my application I had my telephone interview with the OR. I had to resubmit my income expense form as I messed up a few bits but that was OK, it's just to see if I need to pay IPO I sent that back 2 weeks ago. But nothing seems to have progressed. My bank account I had prior to going BR (which I have substantial debt) is still open and active... As are my CCs. None of them seemed to have been notified.
I opened a new basic bank account with tsb (who I have no history with) to get wages paid into and DDs can come out from there, I'm almost certain it will now be frozen when everyone gets notified in BR. I've called tab several times, they confirm they have no notes on my file that I am BR and can't say if my account will be frozen when they do.
I am constantly on edge as to whether its going to get frozen, as I'll have to find another bank account and switch DDs if it does. 
Just a month of nothing really. I transfered my wages to my husband incase it freezes abd he drip feeds my accounts to cover DDs. Both my husband and I have been put on furlough so we can't afford to leave my wages in my account to get frozen and not have money my side.
Just wondered with the current state of the world if there are aot of us in this situation or am I am isolated incident? 

mwarby

It’s far from certain that your TSB account will be frozen, especially if it was opened post bankruptcy

in terms of not hearing from the OR it’s often a case that no news is good news, things will have slowed a little with covid-19 as folk are working from home and there will be a number of queries around IPAs in place or that we’re being setup which are no longer affordable

if your account is frozen there are plenty that can be opened quite quickly online, yes some of the direct debits etc won’t be over the moon by having delayed payments, but especially now knowing you will be making them is good news

you could open another account and switch now, but if you do that make sure you get your payment card first, the last thing you want is an account you can’t access 

Minkym00

Within the Insolvency rules (set in legislation), your creditors are informed of your bankruptcy within 14 days of your interview. However, those banks, credit card companies etc will not be working at full capacity at the moment so it will take a while to filter through. Your TSB account shouldn’t close. The OR doesn’t inform them of your bankruptcy as long as your opened after the date of the bankruptcy order.

These are different times we are living in. Please be patient.

JL2083

Thanks guys, honestly I am being patient, sadly I have much bigger worries at the moment. As I'm sure many other people do. I did open my tsb account after I was officially made BR. I just was wondering if there were others in a similar boat. Thank you for replying, certainly helped my anxiety over tsb xx

Morfx

I'm in the same boat as you, bit a month or so ahead, I need to make an IPA, but still waiting to hear back from the OR..  It is a waiting game.. Chill your beans.. 👍👍