Making Claim on Old "Joint" account

Delboy24

Hi,

Looking to start my claim on hardship grounds - now in a position where my salary doesnt even cover my charges on CC's and bank yet alone actual repayments, my main joint account was held for number of years with previous OH - have since split and she "kept" the overdraft (£4k) and the account even tho she only works part-time!!

I had to set up a new account and am getting hammered for charges as overdraft was only £300 and normal divorce fees have set me back a large wedge - hence my escalating position.

I know my own account will not be an issue to start a claim, but can I make a claim on an account I was previously named on even tho she has retained the account as a sole account holder(I was just removed)?

Do I need her permission to get this info?

Thanks in advance

natweststaffmember

You can't if you were removed from the account since you have renounced it. It will be hers to claim.

Delboy24

Sorry - when I said "Removed" it was a joint decision between her,myself and bank - it was not enforced, does this make any difference? (sorry not legal eagle on this)

natweststaffmember

Delboy24 wrote: »

Sorry - when I said "Removed" it was a joint decision between her,myself and bank - it was not enforced, does this make any difference? (sorry not legal eagle on this)

Makes no difference, the account is in her name. I am going to double check myself on this one. It was a joint account and is now in the name of your ex. Is that right?

Delboy24

Yes, it was held for about 15 years as my main account, got married - she got named on it, then got divorced and she kept it on due to the overdraft amount and to give her some leeway whilst she was looking for work. I since changed to my other account I have had for about 8 years and because of the o/d limit am now getting charges all over the place.

Things are ammicable so wont be an issue if I need ex'es authorisation.

Thanks

natweststaffmember

Delboy24 wrote: »

Yes, it was held for about 15 years as my main account, got married - she got named on it, then got divorced and she kept it on due to the overdraft amount and to give her some leeway whilst she was looking for work. I since changed to my other account I have had for about 8 years and because of the o/d limit am now getting charges all over the place.

Things are ammicable so wont be an issue if I need ex'es authorisation.

Thanks

Is the account a joint account still or is it just in her name. If it is just in her name, I am afraid you can't claim on that account.

Delboy24

Just in hers....will he to tell her to apply and we can split anything that comes back I guess!

Thanks for the advice

natweststaffmember

Delboy24 wrote: »

Just in hers....will he to tell her to apply and we can split anything that comes back I guess!

Thanks for the advice

I hope you are on good terms with her