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removing my name from the joint account

  • shatttered08
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27 Jan 08 #12050 by shatttered08
Topic started by shatttered08
My husband and I seperated last June. I moved into rented accomadation with our two young children. The family home had to be sold to repay huge debts that were accrued during our marriage. We are both left with nothing and my husband is also now in rented property.
I work eves and stbx looks after the kids in my home for four hours. I cook him an evening meal. He has paid no maintenence since the split and hasn't contributed to anything eg. bithdays and christmas, although I sign all cards and presents from us both to present a united front to our kids. He's bored with this arrangement now and I have had to rejigg my work hours. I have never stopped him from seeing the children whenever he wants.
I have had my own bank account for a year. My name is still on the joint a/c, but I haven't used it at all. I have asked him to sign me off it, he has refused. He says I am liable for some of the debts still outstanding (although I believed he had cleared them all). My step Dad also gave us a large chunk of money to sort out remaining debts when the house was sold. This will come out of my inheritence (£10,000!!). He has now increased the o/draft facility to a sizeable amount. No one asked me! Can I have the joint account 'frozen' to stop him from accruing more debt - help please! Thanks x :(

  • Josh2008
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27 Jan 08 #12057 by Josh2008
Reply from Josh2008
Ring the bank immediately - tell them that you have not agreed this facility and will not accept liability

It's a bluff, because you are liable; tell them you want your name removed from the account as you are no longer living with him

Once you have spoken to them, judge what they have said, then put your concerns in writing

A joint account means that you are equally and severally liable for ALL of the debt. It will be very difficult to get the account changed unless the bank is happy to transfer the debt to a new account solely in H's name

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27 Jan 08 #12065 by shatttered08
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Thanks Josh.

Just seems that because I was the one who 'jumped' ship, I am going to be punished by my ex! He was always hopeless financially - one of the reasons I could bear it no longer.
I don't think I will get anywhere with the bank, as they have already stated that they need his 'permission' for my name removal. I don't understand how he could increase the overdraft limit and they didn't need MY permission??
Anyway, thanks again :unsure:

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27 Jan 08 #12067 by Josh2008
Reply from Josh2008
I would still write to the bank and let them know you will not be responsible for any debts against this account as you are no longer living with this person

It does seem that some can still rack up debts even when separated, but get a letter off to them explaining your position

  • 80SGIRLWOKEUP
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27 Jan 08 #12082 by 80SGIRLWOKEUP
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I have an agreement with the bank that no changes can be made to our joint account without the consent of myself and ex. Be careful though as banks are soo imcompetent!! they recently cancelled 3 DDs without my knowledge but on my husbands instructions.
I have spent a week hassling the Bank as they were for life assurance and was keen to get them reset!
Luckily I hassled bank soo much they agreed they shouldnt be cancelled without my knowledge and made ex go into bank last week and sign new mandates.
Ring them and tell them you want your name off account and insist that you are not party to new overdraft or liable for new debts as you were not party to the new overdraft facility.
Good Luck
80s

  • shatttered08
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27 Jan 08 #12110 by shatttered08
Reply from shatttered08
Thank you for your reply.

If I get nothing else done, I will take your advice to tell the bank that no further 'arrangements' can be made on the joint account, without me being asked as well. However, I use the account for nothing and haven't for almost a year, so if it was frozen I wouldn't care as it would only be my stbx who would then be affected!
So much for staying civil and having an amicable split - I just don't believe that it's possible.
Thanks again for your time x

  • TMax
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28 Jan 08 #12111 by TMax
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Im with Barclays and to get me off the joint account and close it they said it needs two signatures mine and Xs, getting that second signature is was slow and time consuming, so I spoke to the mananger and handed in a letter stating that as of "Date" Im no longer responsible for any portion of this account. and all correspondence relating to this acocunt should be sent to my soliciter from here on. none was received but heyho you never know :-)

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