Withdrawals from account

bach230

Hi all
Is there any way I can stop an account from having any money withdrawn from it? My hubby and I have a joint account together and I would prefer it to just be used for paying bills so only to have direct debits going from it and for us to not be able to access it for money withdrawals.
We both have our own accounts - I barely use the joint account for withdrawals as I am extremely money conscious whereas hubby is the complete opposite, even though (as I say) he has his own account.

Can anyone help at all?

KingElvis

Cut up his cards to the joint account?

Tell him to stop it and behave or you're off?

Change the PIN number of his card?

bach230

I haven't got access to his cards as he keeps them in his wallet and has them on his person all day/night at work
I don't know what his current pin is & I would imagine you need to know that first to even access the card
I've tried the 2nd option several times and it doesn't work.

Currently he's blaming me for the problems we have with our account as I am on maternity leave so obviously am bringing home less, but if he didn't abuse the account so much then we wouldn't always be in a bad state each month.
I've taken his card off him before now but he does have internet access to the joint account so could just as easily transfer money over to his own account, which he abuses just as much!

He also seems to think it will be ok again when I go back to work - I'd like to not have to go back to work but feel I'm being forced into it because of money - however I plan on working part-time for about 20-25 hours a week. He also seems to be neglecting the fact that we will have to pay someone to look after our son when I do go back to work and seems to be forgetting that we will have to pay for childcare.

Apologies for the rant!!

coolesticeking

Sounds like he needs to man up and face his responsibilities - Sit him down and tell him your concerns and tell him that you mean what you are saying.

I would suggest if this fails as a last resort to clear the account so it has £0 in and then contact the bank and ask them to freeze the joint account and close it (Both would have to agree to the closing part though).

Keep everything personal and then if you need another account you can open one in your own name again and control it how you see fit.

Hope everything gets resolved!

jonesMUFCforever

It is not possible.
With a joint account either the account gets frozen or you leave things as they are or take his name off the account (assuming the account is in credit).

pmduk

Think of it from the bank's perspective. How on earth can they intervene in a relationship and start specifying who spends what? Imagine the field day the press would have if they got it wrong.

pinkdalek

Open an account in your name only and pay the bills through there instead.

izools

OK important question

Add up the joint household expenditure - bills, ameneties, food, etc and divide it in two

Subtract this figure from his take home pay

Is his expenditure on "frivolities" more or less than this figure?

Is your expenditure on other things more or less than half the household expenditure subtracted from your take home pay?

bach230

Izools - I've just divided the household expenditure in two and subjected my hubby's average take home pay (he sometimes gets more or less depending on the hours he's done/bank holidays etc - he's a security guard so works 12 hours at a time per day or night shift, usually 7 days/nights on, 2-3 days off but this does sometimes change so he has 4-5 days off between shifts, so his monthly wage isn't always the same).
I would say that his expenditure on "frivolities" is less than the figure but I wouldn't be surprised if it wasn't far off. He doesn't just use the joint account for his own things though as he always uses his own account. He has no overdraft on his own account so that is probably why he sometimes uses the joint account - he's not allowed an overdraft as he's been in trouble with that before!

My expenditure on things is most definitely less as I barely spend anything. I have a few payments that go out of my own account and things for me car - i.e. car tax, insurance etc go out of my account or my ISA. If I need any spending money for myself for choir or for top-up on my phone, it comes from my account. I barely use the joint account at all

I have sat down with him several times in the past to discuss the money problems but it tends to go in one ear and out the other - I never seem to be able to win!