Way I read that was that you only relinquish credit accounts, which would only be my Lloyds accounts as my newly opened accounts elsewhere have no credit facility
You will probably find that Lloyds will probably close the account for you siting you are a undesirable or some other 'dangle berries'
Before you do anything, open a basic cash card account (I used The Cooperative) and stick no more then 10 quid in there then put the card in the draw until you have been discharged.
Also helpful if you open a building society savings account and do the same
The idea is that once you have been discharged, no ficker will touch you with a bargepole so as long as you have these accounts sat in the draw, you will be okay
The idea behind the 10 quid is 2 fold .............. you will have 2 accounts in credit with no bad history and last but not least ............. It will cost the official receiver 10 quid per account to transfer the money out of them into there account so they wont bother