Hello All, Ok, I ran a small business as a sole trader and struggled thro the last couple of years due to non payment of customers, leading to bank loans etc to continue trading, we had to call it a day at the start of this year after one customer went bust owing us a fortune. on the advice of some friends I went down the line of bankrupsy (spelling) in Scotland, the one year rule. we banked with the rbs and as soon as my insolvency guy wrote to them we got a snotty phone call from our business manager, who then wrote out to us informing us they were giving us around 5days before closing my wifes accounts down, simply because she was associated with me. this they proceeded to do, closing all access to my wifes accounts, cards, and online banking, obviously there were overdrafts on her accounts as we used those too to pay for the business and to live. (one account was in my name, but i added my wife as a signatory because i worked away quite a lot, the bank used the wrong form and made it a joint account which then they proceeded to chase her for despite them being happy it was my account for quite a number of years!) we tried to pay money into these accounts and it was just returned as accounts were closed, we have now had letters from rbs debt collectors, wanting full payment, not possible of course, we are paying a little amount every month, ok the question is these debt collectors are wanting income and outgoing forms completed, do we have a right to refuse? anyone help us out as to what other rights we have? its been a crappy year up to now, as worst part of closing business we had to pay 8 staff off, who were friends too, worked with us for nearly 8years some of them. anyway back to the subject, any advice would be great.