Hi lightbodyae55,

Sorry to hear about the family illness.

The Debtor Application Form when you first look at it can be quite daunting and intimidating. After all and as you say it's 58 pages long.

In actual fact it's a pretty straight forward question and really it's just asking you information on your financial situation, full name and address, employer details, details of any income or assets, bank account details and details of your debts. All of this information is something which everyone should be aware of.

The AIB do check the applications very thoroughly along with all of the supporting documentation that is submitted so it's something which as you say shouldn't be rushed.

It's good to hear that you are moving things forward and being proactive. Before you know it you will both be debt free and discharged.

Let us know when you receive your official letter. You can check the register of insolvencies as this is updated and then the letter comes out. Usually a couple of days in between this.

Hi all

Julie received her Bankruptcy notice today and she has been on the register for a week, however I have to wait till later this week due to the AIB wanting further information.

Now the next problem is a frozen bank account and us on way to Hertfordshire tomorrow (Tuesday). I understand from the info that came with Julie's notice that all i need to do is call RBS head office to get the account unblocked, I hope this will happen otherwise I am at a loss as to what to do as we need the account open.

Has anyone had the same problem with a frozen account and if so how easy was it to sort out!

lightbodyae55

It will take a fax or letter from the Trustee to unfreeze the account. This is normally done to safeguard funds.

We have a standard fax when this happens and it's usually sorted out fairly quickly.

Mark

If memory serves me correctly, lightbody, you and mrs lightbody applied for bankruptcy under LILA?

I THINK (relying on memory again!) that, in those cases, when AiB write out to confirm that bankruptcy has been awarded they also give you a letter about frozen bank accounts. Basically it confirms that they're not interested in the account if it has less than £x in it. I think that's the letter that you'd need to take or fax to the bank.

It's probably best to give AiB a quick call to double check, as my memory is clearly struggling a bit!

Hope you get this sorted out, and you have a safe journey down to Hertfordshire.

Hi lightbodyae55,

It's normally a fax which is sent to the bank from the Trustee to confirm that the account can be used and unfrozen.

Given that you are travelling down south today give the AIB a call and request that they send the fax to your bank to unfreeze the account. I find that it's usually a central department within the bank and not the branch that will unfreeze it and this is where the fax needs to be sent to.

In my experience it can normally be unfrozen within 24 hours.

Hi All

Sorry this reply has taken so long.

Unfortunately my mum passed away on the day we were due to go down to Hertfordshire to see her (Tuesday last week) so I did not get a chance to read the postings on here regarding unlocking frozen bank accounts until we got back yesterday.

As I needed the account unlocked urgently I went into the branch with all the paperwork from the AIB, and spoke to the manageress and explained the situation, she contacted Head Office, and eventually got through to someone that told her what to do, she needed to take photocopies of all the paperwork, and if there was anything to do with bank accounts then highlight the relevant part, which she actually quoted over the phone to Head Office, the relevant phrase on the letter is Quote ÔÇ£If your income bank account retains less than £1000, as your trustee, we have no objection to this account being kept open for personal useÔÇØ

So the Manageress did what was asked and faxed all the copies to Head Office, and she explained to me that it could take up to 24 hours to free the account, however it normally only took up to 4 hours, and to try later in the day to see if it was unfrozen.

As I was traveling that day it was not until the following morning at our overnight stop that I tried the bank card in an ATM machine and was able to obtain some cash, that's when we knew the account had been unfrozen.

Now I have my Dad living with us as we are his only family he has, so life goes on.

Lightbodyae55

Hi lightbodyae55.

I'm very sorry to hear about your mum. It sounds like you've had a really tough time for the past couple of weeks.

I'm glad to hear that the bank was able to deal with your bank account relatively quickly, not least as it was potentially so important in the circumstances as they were at the time.

Hi lightbodyae55,

I'm really sorry to hear about your mum. The last couple of weeks sound like they have been extremely difficult for you and the family.