Reclaim for A Joint Account - But I'm no longer named on it!!!

Binbun

Hi

I would like to claim for the charges that were received on an account that I held jointly with my ex-husband. However, as we are now divorced I am no longer a named person on this account and he now holds it solely in his own name.

Fortuantely, I have the list of all the charges since 2001, as they sent me this before my name was removed from the account last month.

Can I still reclaim the bank charges that we would have paid? What would be the best way to make the claim, he (my ex) is not very cooperative and is very lazy, so may not right to them in joint names, or write to them himself.

How do I stand on this... Can they accept a claim from me?

Many thanks
Bb

Orford

This is a tricky one. In other similar cases like this, the banks play silly bu**ers. Be warned, if you claim they may say you are no longer a party to the a/c, and therefore not entitled to make a claim etc. You need to be determined, and you could only claim charges incurred while you were a joint holder,and of course you would only be entitled to half, plus any refund they make will almost certainly be credited back to the a/c which you don't have acccess to. So even if you were successful, you would need the co-operation of your ex. Not the best of scenarios, sorry.

Binbun

Thanks for your thoughts Oxford...

I wonder then if it would be best to put the reclaim in, in both names and get the ex to cooperate first, he may do so if he thinks hes going to get some cash back! I can always hope....

If it were a successful reclaim and the money went straight into the account that would be a nightmare scenario for me; I had my name taken off the account as he was withdrawing cash from it, and used up an overdraft that was still on it!!! Is there any mileage in specifing to them (should it get that far) that we would want half the money paid seperately to each us by cheque? I wonder if that could be entertained...

Many thanks
Bb

natweststaffmember

Binbun wrote: »

Thanks for your thoughts Oxford...

I wonder then if it would be best to put the reclaim in, in both names and get the ex to cooperate first, he may do so if he thinks hes going to get some cash back! I can always hope....

If it were a successful reclaim and the money went straight into the account that would be a nightmare scenario for me; I had my name taken off the account as he was withdrawing cash from it, and used up an overdraft that was still on it!!! Is there any mileage in specifing to them (should it get that far) that we would want half the money paid seperately to each us by cheque? I wonder if that could be entertained...

Many thanks
Bb

Realistically, no I would say unless you take them to court. However, be mindful of the fact(you might not want to tell ex) that he is responsible for any outstanding monies owed

stu1975

Hi Binbun
My second claim was with Abbey on a Joint Account that I was no longer named on.They let me claim as I argued the point that I was named at the time and that they had charged me fees as well as the joint party.
This was before the test case and I was awarded ALL of the money, not half and I specified that they send me a cheque to my new address which they did also do.

You have to really bug them with the fact that they charged YOU up until the date you where taken off the account.

I still have my letter if you need help on it.

Stu

Binbun

stu1975 wrote: »

You have to really bug them with the fact that they charged YOU up until the date you where taken off the account.

I still have my letter if you need help on it.

Stu

Hi Stu
That sounds really positive news, I hope I can get a similar reception from the Halifax. As for your offer of help, I'd really appreciate some ideas on how to make that perfectly clear to them, if you dont mind sharing your wording . If thats poss!

The charges were certainly incurred when my name was still on the account, and unfortunatley, it was really me who suffered because of paying them, my ex kept spoiling himself at the expense of our bills, and I ended up shouldering the bills and the charges, and all the worry.... needless to say this eventually was why we parted!!

Really appreciate your offer.
Many thanks
Bin

stu1975

Yeah Sure no worries,If you could let me know a few things if thats ok.

Have you sent any letters to Halifax at all on this subject?
Have you added up all the charges that where added on when the account was joint?
Do you wish to claim the interest as well (8%) which is what the courts would pay?
Just to double check, does he still use the account as well?

when you get chance reply to me on here or PM me and I will draft the letter that I sent first of all to Abbey for you, I will ammend the details to suit you.

Stu