Not every franchise of Christianity takes the view that anyone at all is in hell at the moment. A fair number are of the belief that the dead are currently just that, dead. They look to a future resurrection in which their eternal destiny will be declared following a final judgement, but they teach that this has not happened yet.
You Are right -- no one is in heaven or hell at this time. And , actually, heaven is really the New Jerusalem that God will bring down from 'heaven' with Him. This present world Will be destroyed. Believers are with Jesus Christ.
And there's no purgatory , either. Non born-again people are in a section of Abrahams' bosom waiting for final judgement. And I'm thinking that 'torments' is where they are. The account of the rich man and Lazarus. The rich man ended up in whatever that section of Abraham's bosom is called. He was told that there's a great abyss. He is begging 'someone' to please put a drop of water on his tongue and to please warn his brothers who are still alive -- that 'hell' is really Real and to stop messing around.