Closing joint account

arlybarly

Could someone help me please, i am divorcned but still have a joint account with halifax with ex husband. I have tried to take my name off but need both signatures to do this and he wont agree what do i do please ????

Thankyou

YorkshireBoy

Current account?
Account type? eg Reward, Ultimate Reward
Overdraft balance?

grumbler

A similar thread: Removing Name From Joint Account

dalesrider

If they won't close it( could have a debit balance) get them to place it into joint party dispute due to divorce.
That should freeze it and at least no debt will be able to be run up.

arlybarly

A current account with direct debits which ive cancelled.

YorkshireBoy

arlybarly wrote: »

A current account with direct debits which ive cancelled.

Could you answer the last 2 questions I asked in post #2?

And then answer this one...

Are Halifax aware you've divorced, or that there was/is any kind of dispute between you?

And then I'll maybe have a solution for you.

nwc389

Only one signature is needed to close the account provided that the account is not frozen due to marital dispute.
So you could just close it by taking your signed card into your branch and requesting that it be closed , they will do that there and then as long as the account is not in debit balance .

arlybarly

Hi there is a balance of about 200 in there at the moment, no overdraft ect and yes they are aware of divorce as wanted to open another account in maiden name. They just said two signatures to close it, end of, which really doesnt help me lol.

Thanks for all responses and have read the other thread, thanks to grumbler for posting that.

YorkshireBoy

arlybarly wrote: »

They just said two signatures to close it, end of

Lodge a complaint, citing their T&Cs* which state [top of page 15, 4th bullet]...

If you open a joint account with another person, either of you can withdraw all or part of the balance,

write cheques, apply for an overdraft or close the account without the other person’s permission.

...and informing them that you're trying to sever the financial association that exists between you due to this (I assume the only?) joint account.

Ask them, via the complaint, if they're refusing under condition 10.1(h) [page 29]. If their response is yes then tell them there is no dispute and that you'll be giving half the money to your ex (you will be won't you?).

Of course all of the above is irrelevant if the account is now your husband's bills/salary receiving account. Is it?


* Since you seem reluctant to say which type of current account it is I've assumed it's a Reward Current Account, so have linked to those T&Cs.

grumbler

YorkshireBoy wrote: »

... tell them ....that you'll be giving half the money to your ex...

Would it not be easier just to withdraw the balance first?

YorkshireBoy

grumbler wrote: »

Would it not be easier just to withdraw the balance first?

Was going to suggest that, but thought it may show the OP in a bad light to Halifax? After all, the primary objective seems to be to sever the link, not share the money up.

At the moment she can demonstrate (to a certain extent) that no 'dispute' exists because she knows she could get the money but hasn't.

Unless we haven't been given the full picture?