hmmm... that could have gone better to say the least. thats one of the reasons i hated dealing with banks so much. it was always someone else's responsibility. grrrrrrrrr. i guess the only up side is that nationwide willt ake you on and that you can use your daughter's account for the direct debits. you know though its almost as if you have to work harder to get bankruptcy than to stay in funds!!
hope things go well with the next bank and that everything settles down a bit after that.
good luck
biiv