Panicking please make me feel better!

EarthBoy

As psychic teabag says, open a joint savings account, not a current account, not even a basic one. Savings accounts aren't credit checked; the bank/building society only does an ID check, so it won't matter about the CCJs.

itsanne

shopaholic2 wrote: »

Ok, let me just say, I'm not ACTUALLY panicking, there's bigger worries in the world...
I'm just seeing if anyone else has this basic account at nationwide.....
We've gone a few years with seperate accounts, but when you get a cheque in joint names YOU NEED A JOINT ACCOUNT.

I'm not looking for judgement, I'm not simple, and I'm seriously 'chilled' just asked a question.

Thanks.

Maybe you could have given your original post a different title eg "What Should I Do With a Cheque in Joint Names?". You make it seem as if you are panicking. The comment about wrecking your OH's credit record is valid, although harshly put. If your OH is building up a better credit record, not scuppering it could benefit you both in the long run.

It might be worth rethinking things and opening a joint savings account. You could then move the money wherever you want it, and would get a little interest before it's spent. Better in your pocket than the bank's;).

MrSilk

I got a Nationwide Cash Card account in 2009, 7 months after a CCJ for £304. Fast forward 4 years, I've upgraded the account to a full current account, and also got an overdraft.

It is possible, but that was back in 2009, now sure about today! Sorry.

andy_vip

rb10 wrote: »

This is incorrect.

Cheques in joint names can only be paid into a joint account.

Joint savings accounts are a good way of getting around this if one party has a poor credit history.

Funny as I've done this twice with HSBC. I must have been dreaming. The cheque was from southern water after moving address, cheque was made payable to me and my, at the time, gf. HSBC accepted a letter from her stating it was ok to pay it into my account, she came with me to show ID and that was that.

fluffy70

I have an account in my name only - I've paid a cheque made out to both myself AND my husband and no questions were asked. It went in, it cleared and we drew upon it. He has an account in his own name that he doesnt bother to use as he's a stay at home dad who has no income (he doesn't claim benefits as he was self employed before and doesnt have the right contributions plus he isnt available for work as he looks after our child) But what I'm saying is, you don't HAVE to have a joint account for a cheque in joint names.

Anagran

I have had the problem of cheques in joint names, some members of bank staff refuse to pay it into a single account others dont even seem to look at the names, so if I get refused I just try again the next time im in town.

shopaholic2

Just to put this to bed, I was accepted for the account, got my bank card on Monday. Ironically the cheque ended up only being made out to OH!
Thanks all for the comments anyway :-)

noh

fluffy70 wrote: »

...He has an account in his own name that he doesnt bother to use as he's a stay at home dad who has no income (he doesn't claim benefits as he was self employed before and doesnt have the right contributions plus he isnt available for work as he looks after our child)............

Off topic but.

Child Benefit should be claimed in his name rather than yours which I assume is the current situation.
That way he will build up entitlement to state pension.

http://www.hmrc.gov.uk/childbenefit/start/claiming/protect-pension.htm

nobbyblobby

I know of someone who has opened a flexplus and a flexdirect with nationwide with a 4-5 year old CCJ. They seem to be very understanding.

Dr_Cuckoo3

peghmeypong wrote: »

I know of someone who has opened a flexplus and a flexdirect with nationwide with a 4-5 year old CCJ. They seem to be very understanding.

indeed

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