I'm seriously considering declaring myself bankrupt as a DMP looks like I will be paying this debts forever!
I just need to know one thing - when I started my failed IVA I was told to open basic bank account - I have a Halifax account and an Electron card so my salary and DD can be paid, therefore will I have to close this account on becoming BR or as its basic can I keep it open or would Halifax freeze it??
Halifax aren't BR friendly so you would be better off opening a Co-op Cashminder or Barclays basic account (I can't remember the name of it) if they aren't one of your creditors.