niknak, typical pprune poppycock. "All your earnings will be assigned to them" what a load of crap. A maximum of 50 to 60% of any available surplus (after all your living costs have been taken out) can be used as an income order. After this order has been made you are highly unlikely to hear from the receiver ever again unless there is a change in your earnings which you need to inform him about.
Once you declare yourself bankrupt the receiver deals with all of your creditors directly, they are no longer allowed to contact you. So your statement that "this will continue until you repay them in full" is also crap. The income order will continue for a maximum of three years after which point nobody will have any further interest in your financial affairs.
Undischarged bankrupts CAN get basic bank accounts very easily, the Nationwide offer an account to undischarged bankrupts that you could open on the same day you declare yourself bankrupt. This will allow for direct debits, and come with a cash card but no overdraft will be permitted.