Banks

Audi1

I had a joint account with an ex partner to which we advised I wanted my name removed some time ago. It has now come to light that this was not done any my ex has now run up a debt on that account to which they take full responsibility and we have advised the bank of this, however they will not remove my name now and have also defaulted me because of this.
They have now advised if my ex has not cleared the debt in 28days they will take the funds from my account.
I have tried to move my account today but due to this default have been declined.
Any advice would be great

joe14729

If you post it in the correct forum you may get a better response

lilias

I've pm'd Glad to move this to the right forum.

liamell

Maybe you can find some help here http://forums.moneysavingexpert.com/forumdisplay.php?f=20 hope you do x

SpeedyGonzalis

This will probably get moved by the mods.

My advice would be to go to the CAB with any proof you have that you asked for your name to be removed. And open another bank account with anotehr bank and move all your money and have your wages paid into that account.

Soosieboo

A joint account can only be made a sole account if you BOTH attend the bank to make it so. It's not something your ex-partner could have done on their own.

If the account is now in default - i.e. overdrawn over any set limits- then the bank do have the right to claim what is in effect their money from any other accounts you either singly or jointly hold at that bank.

The best thing you can do is make an appointment for you BOTH to attend to speak to your account manager and get it sorted out sharpish.

Bottom line is that you should have checked that the account was sole.. (sorry if I sound blunt!)

lizd31

I worked in banking for 28 years & because the account was in joint names you are jointly & severally liable for the debt. When you separated you should have both signed to close the account & transfer them into your individual names. The Bank is correct in that you are liable for any debts run up on the account even though they have been run up by your ex partner however they do NOT have the right to transer funds from your sole account to the joint account to clear the debt but if your ex partner fails to pay off the debt it will be transferred into the hands of a debt collection agency & it will affect your credit rating. If your ex accepts full responsibility for it she must make arrangements for repayment with the bank herself. I hope you manage to get this sorted.

robin-swinton

What kind of amount are we talking about ?

golfings

Thats so so bad!! Good luck Hope u get things sorted