England and Wales · Civil enforcement
When must a bank disclose accounts after an interim third party debt order?
CPR 72.6(2) requires a served bank or building society to disclose the specified account information to the court and creditor within seven days of service.
- Period
- Within seven days after effective service
- Trigger
- Actual effective service of the interim third party debt order on the bank
- Rule
- CPR 72.6(1)–(3)
Official Justice UK CPR text and legislation.gov.uk statutory XML retained on October 9, 2026. The retained source metadata and acquisition receipts identify each edition. No claim of later amendments or actual local court opening is made.
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When must a bank disclose accounts after an interim third party debt order?
CPR 72.6(2) requires a served bank or building society to disclose the specified account information to the court and creditor within seven days of service.
Responsible actor. The bank or building society served with the interim order.
Actual effective service of the interim third party debt order on the bank.
The bank first searches for the debtor’s accounts under paragraph (1). Paragraph (2) requires the specified disclosure for each account, with the alternatives in paragraph (3) where applicable.
The bank first searches for the debtor’s accounts under paragraph (1). Paragraph (2) requires the specified disclosure for each account, with the alternatives in paragraph (3) where applicable.
CPR 72.6(1)–(3)How does this provision count time?
- Exclude the service date and include the seventh ordinary date. CPR 2.8’s within-period example does not add an eighth day merely because the period is called clear days.
- Disclosure must reach the court and creditor. A closed court-office final date can affect the court act differently from communication to the creditor; that mixed-recipient branch needs its actual completion facts.
Exclude the service date and include the seventh ordinary date. CPR 2.8’s within-period example does not add an eighth day merely because the period is called clear days.
Disclosure must reach the court and creditor. A closed court-office final date can affect the court act differently from communication to the creditor; that mixed-recipient branch needs its actual completion facts.
CPR 72.6(1)–(3)What do independently checked examples show?
Fictitious example
The bank or building society served with the interim order. The complete operative event occurred on Friday, October 9, 2026. Exclude that day and include the 7th following calendar date, Friday, October 16, 2026. The required act and any notice recipient are established. Additional fictitious established facts. Fictitious individually specified facts. The listed context makes the actual branch, actors, event history and completion facts explicit. Additional dates below are stated hypothetical facts rather than inferred client records.
| Step | What is counted | Date |
|---|---|---|
| Example 1. Ordinary established facts | The bank or building society served with the interim order. The complete operative event occurred on Friday, October 9, 2026. Exclude that day and include the 7th following calendar date, Friday, October 16, 2026. The required act and any notice recipient are established. Additional fictitious established facts. Fictitious individually specified facts. The listed context makes the actual branch, actors, event history and completion facts explicit. Additional dates below are stated hypothetical facts rather than inferred client records. The complete operative event occurred on Friday, October 9, 2026. Exclude that day and include the 7th following calendar date, Friday, October 16, 2026. The required act and any notice recipient are established. | Friday, October 16, 2026 |
| Example 2. Closed-day boundary | The bank or building society served with the interim order. The ordinary arithmetic reaches Monday, December 28, 2026. The required service, mixed-recipient or statutory act cannot receive an assumed universal CPR court-office carry. Additional fictitious established facts. Fictitious individually specified facts. The listed context makes the actual branch, actors, event history and completion facts explicit. Additional dates below are stated hypothetical facts rather than inferred client records. The ordinary arithmetic reaches Monday, December 28, 2026. The required service, mixed-recipient or statutory act cannot receive an assumed universal CPR court-office carry. | Resolve actual completion and final-day closure before calculating. |
| Example 3. Material procedural branch | The bank or building society served with the interim order. The bank cannot comply with the account-search requirement within seven days. Review the specific rule 72.6(3) notification branch. Additional fictitious established facts. Fictitious individually specified facts. The listed context makes the actual branch, actors, event history and completion facts explicit. Additional dates below are stated hypothetical facts rather than inferred client records. The bank cannot comply with the account-search requirement within seven days. Review the specific rule 72.6(3) notification branch. | Review the specific rule 72.6(3) notification branch. |
Fictitious established facts. These examples do not establish eligibility, effective service, relief or a direction.
Try these dates in the calculatorWhich conditions and exceptions apply?
- Identified actor and operative event
- The bank first searches for the debtor’s accounts under paragraph (1). Paragraph (2) requires the specified disclosure for each account, with the alternatives in paragraph (3) where applicable.
- Provision-specific counting and closure
- Exclude the service date and include the seventh ordinary date. CPR 2.8’s within-period example does not add an eighth day merely because the period is called clear days. Disclosure must reach the court and creditor. A closed court-office final date can affect the court act differently from communication to the creditor; that mixed-recipient branch needs its actual completion facts.
- Required completion and separate procedural route
- Preserve both required disclosure recipients, effective service and the actual bank or building-society branch. A notification of inability to comply is a separate source requirement.
- The bank first searches for the debtor’s accounts under paragraph (1). Paragraph (2) requires the specified disclosure for each account, with the alternatives in paragraph (3) where applicable.
- The disclosure duty is not the creditor’s twenty-one-day service-before-hearing requirement. Its forward clock starts with actual bank service.
What must the responsible actor complete?
Questions about this procedure
When must a bank disclose accounts after an interim third party debt order?
Does the bank’s seven days start when the interim order is made?
No. Paragraph (2) uses the bank being served with the order. Retain the actual effective service event.
CPR 72.6(2)Is the bank required to search for the debtor’s accounts?
Yes. Paragraph (1) requires a search identifying all accounts held with the bank or building society by the judgment debtor.
CPR 72.6(1)Which recipients must receive the account disclosure?
Paragraph (2) identifies the court and creditor. Communication to just one does not establish completion of both source-prescribed recipients.
CPR 72.6(2)Does the bank disclose only accounts with enough money to satisfy the order?
The paragraph requires the specified information in respect of each account, including credit status, relevant balances and any asserted right to the money.
CPR 72.6(2)(a)–(c)What if the debtor holds no account or the bank cannot identify the account?
Paragraph (3) requires the bank to inform the court and judgment creditor within seven days of service where the stated conditions apply.
CPR 72.6(3)Does an ordinary Tuesday service produce an eight-day disclosure period?
No. A within-seven-days act excludes the service date but includes the seventh final date. A clear minimum interval would be a different counting instruction.
CPR 72.6(2); 2.8(3), example (iii)Official sources and review
Provisions used (9)
| Provision | Purpose |
|---|---|
| CPR 72.6(1)–(3) | Check the identified procedure, event, counting rule or qualification |
| CPR 2.8(2)–(5) | Check the identified procedure, event, counting rule or qualification |
| CPR 6.26 | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(2) | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(1) | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(2)(a)–(c) | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(3) | Check the identified procedure, event, counting rule or qualification |
| CPR 2.8(3), example (iii) | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(2); 2.8(3), example (iii) | Check the identified procedure, event, counting rule or qualification |