taking my name off joint account in o/d?

YorkshireBoy

fifipat wrote: »

When I separated my ex was removed from the joint account and I kept the account. He had to go to the bank to sign forms to do this but it is possible.

Depends on the bank. I know Yorkshire Bank (and so presumably Clydesdale as well?) won't do it. The account needs to be closed down and a new sole account opened.

OP, I'm very surprised your divorce lawyer didn't address this issue when dealing with the finaincial settlement (which often precedes the divorce itself?). Maybe they could advise you and/or write to him/his solicitors?

There is one other factor to bear in mind. You have a financial association whilst ever this account is open (unless you also share one due to a mortgage for example if you're continuing to live in the marital home as part of any settlement). This will affect each of you so it's in both your interests to get it resolved ASAP.

davethorp

mookett wrote: »

Thank you. I suspected as much but I just thought I'd double check. I'm NEVER, EVER having a joint account again!

You can get joint basic accounts. Me and my OH have one. Upshot it's virtually impossible to go overdrawn so no debt

mookett

YorkshireBoy wrote: »

OP, I'm very surprised your divorce lawyer didn't address this issue when dealing with the finaincial settlement (which often precedes the divorce itself?). Maybe they could advise you and/or write to him/his solicitors?

There is one other factor to bear in mind. You have a financial association whilst ever this account is open (unless you also share one due to a mortgage for example if you're continuing to live in the marital home as part of any settlement). This will affect each of you so it's in both your interests to get it resolved ASAP.

I fear I'm going to get into trouble now...! Basically, I did the divorce myself and we haven't done the Consent Order bit (the money part) yet. The divorce is finalised though. Neither of us have had a solicitor. I have the Consent Order forms to fill out (you can buy an online service where you fill out the details and they draw up the document for you) and having this conversation now is prompting me to get them done. The Consent Order doesn't have to be done at the time of the divorce, if at all.

We do share a mortgage as I still live here with the children, although I pay it fully.

He is in some trouble though, with a credit card debt being referred to a debt collection agency as well as two loans and "our" overdraft. The overdraft is the last of his worries! He's on CCCS's books, so he says, and they are helping him.

I've really buried my head in the sand as far as his situation is concerned, but I'm thinking I need to have a good look at it.

jambosans

mookett wrote: »

He is in some trouble though, with a credit card debt being referred to a debt collection agency as well as two loans and "our" overdraft. The overdraft is the last of his worries! He's on CCCS's books, so he says, and they are helping him.

I've really buried my head in the sand as far as his situation is concerned, but I'm thinking I need to have a good look at it.

If your ex is in arrears with other lending it would seem only a matter of time before the overdraft is withdrawn. Overdrafts are normally reviewed annually, and if your ex's credit score has taken a nose dive then the bank may call in the debt. The bank can, however, remove the overdraft at any point, and request repayment in full.

I would suggest trying to get this debt passed over to him ASAP. I'm not sure about the legal process, but I think it would involve him accepting legal responsibility for the debt.

mookett

thank you , I'll look into that.

456789

Read this on the times website which was surprising:

http://www.timesonline.co.uk/tol/money/consumer_affairs/article6839790.ece

I recently went to my NatWest branch to change the surname on my account to my maiden name, as I have separated from my husband. I was told that the only way that I could change the surname is to produce a decree nisi or decree absolute. For personal reasons I want to remain “separated” rather than “divorced”. NatWest said that I need to produce a solicitor’s letter and utility bill with my maiden name on it. But even with these documents, it is refusing to make the change.
I am also in a continuing battle with the bank to remove my name from a joint account.
Stephanie Stacey Bedford

NatWest apologised and said that if you produce your marriage certificate, this will be enough.
The bank’s refusal to close your joint account is more worrying. You are jointly liable for the overdraft and the ever-increasing fees, even though your ex-partner racked up the debt. NatWest admitted to Troubleshooter that standards at your branch fell “well below expected” and it has promised to clear the entire debt, allowing you to close the account.

Mariel

I'm in that situation right now, it's horrible. I'm currently about to get a CCJ and the bailiffs round and I know this is going to happen since the bank have a false address for him and won't change it on my say so, he has to tell them himself. He abandoned the account (which I haven't touched for 2 years) in August, I know his style, it now doesn't exist as far as he's concerned.
Therre's absolutely nothing at all you can do. I'm going to the media and my MP etc as I think it is something that should be a standard part of divorve proceedings, it's usually the last thing on your mind.
Good luck.