What a thoroughly rotten thing to do. At Christmas too. Some people's behaviour makes me despair.
Why is your x2b not working ? Doesn't he have any sense of responsibility to his children ?
Although conduct is normally irrelevant, I would expect this to be a case where a Court would take a dim view of this behaviour when making an order, and would try and redress the balance if possible. See your solicitor.
what you have to do is write to your branch head office stating what the problem is and whose done what, what you want to happen, the bank should really of advised you to open a seperate account, the bank should then withdraw the money from your Xs account back into the joint, phone your bank now, to find out if you can get this done urgently giving the reason why.
I agree with Mike. This is a totaly shite thing to do. So what if he needs money? U cleared it all down and you got shafted for that. Dont forget this. As Mike says tell your sol. Hope U have a good Crimble. Chris
My X-wife to be, and I have a joint account, and the balance was actually at zero, unfortunately there was an agreed overdraft of £300 which she took it upon herself to withdraw in its entirety. Because it’s a joint account, there’s nothing I could do to get the money back. I explained to her that once the bank puts the interest charges on to the account, it will take the balance over the agreed limit (£300) which will subsequently incur further daily charges of £7 per day. I asked my xw2b when she was going to settle the balance so we could close the account, she replied what with? Buttons !
So, as you can see I was placed in a very similar circumstance as your good self. I had to credit the account with £50 or so, so that it wouldn’t go over the agreed overdraft limit. The account still stands at something like -£270 (with interest clocking up).
Ok, this is the important bit. I contacted my bank and explained to them the situation, they said because the account is in dispute, they have no choice but to put a freeze on the account. Basically nothing can go in, or out of the account in anyway. Oh, the bank can STILL put interest charges on the account though, typical. Huh! They told me in order to make payments on the balance, I would have to go into the branch, then once its settled I can close it.
Perhaps you could arrange something like this with your bank, this would allow you to pay the balance off and be confident in knowing your xtb cannot touch it again.
Finally, I would just like to say I’m so terribly sorry to hear that you’ve had to go through this. You’ve worked so hard paying off the account only to have your xtb take it all away again. I can honestly say, I do know how your feeling. Oh, I got the standard response from my xw2b also, “I needed the money”.