Hi Bert.

The Nationwide Card Cash account was available but they changed the rules.

I'm not sure whether this was for new applicants only though.

Hello mikeecho.

You'd only find out whether a bank, that was owed money that was part of your trust deed, would offer you an account after discharge by applying.

Bert Rudge is correct. Once you're discharged formally any debts that were owed no longer are. They could not confiscate funds to apply the cash against debts that no longer exist.

Hello stephencarlin.

Our understanding is that some banks do keep their own records of past insolvencies.

Slightly off-topic but... this is relevant in terms of future credit applications. Some application forms ask whether you've ever been in a trust deed, or been insolvent, or been bankrupt.

We've heard here from people that are tempted to say "no" once their trust deed no longer appears on their credit file. This could be a big mistake as it could be interpreted to be a fraudulent application if it was discovered. Banks share information on that kind of thing.

A good point from boys1211.

The Barclays basic account has attracted some praise here in the past.

If any reader is considering becoming bankrupt this is now the only basic account from a High St bank that is available to you.

If you have debts with Barclays and intend to become bankrupt you may need to look instead to one of the paid-for accounts that are available irrespective of credit status.