Bank refusing to close accounts after bankruptcy

Ph0enix83

I went bankrupt in 2018 after a messy divorce. Amongst the debts was a loan in my name and an overdraft in joint names with my ex, both with RBS. 

Today I’ve received an account statement for the loan account showing nearly £13k owing. 

When I spoke to them, the (unnecessarily arsey) call centre person said that they won’t close accounts until all accounts I’m associated with are cleared.
My ex is on a DMP where he is paying a minuscule amount, so that means that until he clears his DMP (which will be NEVER), I’m going to continue to have this debt associated with me, despite going through a divorce, financial separation court order and bankruptcy. 

Is this correct. It just seems totally wrong. I was told that going bankrupt would give me a clean slate and total separation from my ex’s finances. 

fatbelly

Your liability is covered by your bankruptcy. The bank's call centre staff are not the people to argue with.

Set it out in writing or just ignore them - there's nothing they can do.

Check your credit file - all the defaults should pre-date the date of your bankruptcy. If you are linked to your ex, do a notice of dissociation

Carrot007

Of course joint accounts will not be closed until there is no liability. You Ex still has this.

If you give them proof of bankruptcy they should nither pursue you or put this on your credit report. If they do you can complain. But they are not going to close the account while someone is liably to pay. You can argue they should remove you but as long as it's not reprted of you held liablethey are doing enough.

Upu have a clean slate. You make just have to remind them occasionally. Such is the reward for having joint account and debt collectors that do not check anything.

MalMonroe

There's quite a lot of info in the link below from Citizens Advice -

https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/bankruptcy-2/after-you-go-bankrupt/discharge-from-bankruptcy/

You could also phone them for advice and/or guidance.

Minkym00

As you went bankrupt your liability was written off therefore, although they won't close the account, they must remove your name from the account. Write to them with a formal complaint and say that under section 285(3) of the Insolvency Act 1986, they have no right of remedy.

You could also write to the OR who will write on your behalf.