So, feeling brave, I ventured onto the Lloyds TSB website last week. Applied for a Classic Account (their normal, free, "full service" bank account). No question asking about bankruptcy. Forms came through the post, returned and account opened. I await my Visa debit card and cheque book.
I feel like I have travelled a long way to reach this point. Stick with it, everyone, there is light at the end of that tunnel.