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cjjhbn

just a quck question my wife just opened the halifax reward account would she be able to use my tesco and post office accounts for the required dd or must she open yet more accounts

dr_adidas01

cjjhbn wrote: »

just a quck question my wife just opened the halifax reward account would she be able to use my tesco and post office accounts for the required dd or must she open yet more accounts

Yes you could add those two direct debits to her account if you wish.

innovate

When you fill in a Direct Debit authority form, you confirm that you are the account holder (of the account that gets debited).

Clearly, your wife is the account holder [of the to be debited account] in this case, not yourself. Therefore the DD declaration you would make would be false.

Whether you'd wish to run the risk of getting pulled up over this is your decision

pqrdef

May be fine using paper forms. I think Tesco will send a paper form if you ask.

Your wife should sign the form as it's the authority to dip into her account.

So far as Halifax is concerned, the payee is Tesco or BoI, not you. What they do with it is between them and your wife.

The monthly debits would be instigated by you, manually or by SO, but your wife can authorise anybody to take payments. Normally it would be the gas board.

But it's still possible that your bank will find some perverse reason not to accept instructions from your wife, even though they're only receiving the money, not shelling it out - and obviously they'd have no problem if your wife were to FP the same money to the same place, and they would cheerfully drop it into your account without your knowledge.