www.iva.co.uk

For your discharge period, before you go into it, and the OR in the OR interview asks you for a bank account to be remained open for your
-income, bills, etc to be used for,

He writes a letter to the bank asking for the bank account to be used, etc.

What if this bank account you wish to be left to be used, while in your discharge process is one account prior to BR which has an overdraft on it, and you are in minus - (ie one of your debts is with it),

can it still be used as the bank account after bankruptcy ?

or the bank will allow you to use it, but will just wipe away the overdraft debt during the BR


eg, If your bank account has an overdraft of -£1000, which will get wiped out in the BR process, then are the bank likely to consider leaving this bank account open/run... for the BRs income etc,

after the OR writes them the letter?

or because it has a debt, it will probably be frozen ?

Apologies in advance if anyone thinks this is harsh, but...

Seriously, you would be well advised to talk to a professional debt adviser rather than just keep asking all these unstructured questions.

Why not get them all out of the way in one simple conversation with a human, rather than this convoluted process you've been going through for months?

I agreen with IVANotOverYet, you really do need to speak to an expert regarding your questions as they are best placed to advise you.

Regarding the question about the bank account, all creditors are included in the IVA so th OR technically has an interest in the account. I don't understand why you would want to bank with a creditor though - even if the OR was happy for the account to remain open and the bank allowed it (extremely unlikely) there would be too many potential pitfalls.