Natwest won't allow you to open an account as an undischarged bankrupt, and I have heard on the forum that they are also closing the accounts of people in IVAs.
The only banks that will accept 'the likes of us[:D]' are:
Nationwide - no debit card, internet banking
Co-op - Visa Electron card, internet banking
Abbey - not sure
Barclays - no debit card, no internet banking
There is also Think Banking, who a lot of people on the forum recommend. I personally aren't keen as they charge £12.50 a month and there is a £25 start up fee.
I would try one of the others first - you can apply for a Co-op account on the phone and the staff are lovely!
I have also got a pre-paid Virgin Mastercard in case my Electron card is refused somewhere. That costs £9.95, is valid for 2 years and there is a fee of 2.95% per transaction so it's ok if you are a light user.
If that was the court I'm sure they will ring back - you'll be fine.
Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.
View my blog at
http://skippy13.blogs.iva.co.uk/