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Closing a joint account

  • Hanna2009
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30 Nov 12 #368676 by Hanna2009
Topic started by Hanna2009
Hi all, just a quick question. Ive left my partner 2.5 years ago and since I left he has mounted up debt on our join account up to £1000 (yes I was stupid for not closing the account straight away). Now I received a default notice for it to be paid soon. I have contacted cccs and assessed that I am unable to afford to pay and I am waiting for the bank to agree for a token payment but now I have received a default notice.
The question:
1. If we somehow agree to pay it all off (i am thinking half half) can I ask the bank to close the account and how? Will I need his permission?
2. How does this stand with the divorce cause I am starting a divorce process and we still have joint loan together which has not been paid and a joint mortgage which he has stopped paying as well although he''s the one that live in the address?

Thanks
Hanna

  • WYSPECIAL
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30 Nov 12 #368686 by WYSPECIAL
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I don''t know if you can close the account without permission but either of the joint account holders can freeze the account so that it can''t be used.

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30 Nov 12 #368696 by Hanna2009
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I spoke to the bank and the person on the phone said I cannot freeze it unless the amount is paid in full which surprised me.

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30 Nov 12 #368697 by WYSPECIAL
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That doesn''t sound right. So if its overdrawn the other party could make it more overdrawn?

I think it''s called putting the account into dispute but I would ask your bank again

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30 Nov 12 #368698 by Hanna2009
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Yes my ex actually up the overdraft after i left and thats how its in such a mess. apparently if its a joint account, any of the party can up the overdraft without the other''s permission.

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