Hey rickyc, welcome to the forum. You will most definitely need a bank account and you should open a basic one without an overdraft as soon as possible with a bank that isn't linked to any of your creditors. If your credit rating is already shot, then try the Co-op cashminder.
yes, of course you can. I have a bank account with RBS but then they were never one of my creditors. Have you applied for an IVA? and if so then you will get recommendations of banks that you can have an account with from your IP administrators. Although as said it will only be a basic account with a debit card and no overdraft agreements allowed.
If your bank is one of your creditors you will need to open a new account ASAP. If you don't owe them any money, you may well be able to keep your account open. However if it's with HSBC or First Direct the chances are they will probably close the account.
