Husband is leaving in two weeks - Advice please....

itsanne

You may need his agreement to close the joint account. If he doesn't agree, at least make sure there's no overdraft facility on it so he can't run up a debt.

Remove him from the credit card even if he does help pay it off.

You don't have to have sky for children's programmes. Just say you can't afford it and want to cancel. You might then be put through to "retentions" and offered such a good deal you decide to keep it, but don't feel guilty if you don't.

Prothet_of_Doom

With regards the kids TV on sky. Most kids over 40 can remember pre-video, when there was JUST 3 channels and nobody thinks that was bad.

thorsoak

With freeview, you can still get all the CBeeBee programmes ;-)

janb5

hi- just wanted to add my support. Have a look at PlusNet and cancel Virgin altogether. My former bill cost nearly £60 and now I pay just under £30! I completely endorse earlier comment about separating the finances- you cant take the risk. I believe that you can take out a `disassociation` so your finance aren't linked. You can always book a free session at CAB so you can get some up to date advice. Also if you are a member of a union, you can organize an hour`s free advice over the phone. Ring your Union and see what is available.( I did and it was very helpful) Good luck and good luck.


As a footnote keep a note as you cancel each D/D of the date you cancelled and ask them to confirm in writing.

[Deleted User]

myfairlady wrote: »

Wow, thanks guys. I wasn't expecting such a response.

Okay, so thought I was strong enough to take on SKY. Called up to cancel and got through to a very perky Scottish guy who kept saying he would cancel for me and then made me feel so guilty that I wouldn't haev any childrens channels that I said I'd think about it. I'm not even convinced I got through to retentions. He was telling me how he coudl cut my package but not much else.

We have only the free channels on Sky, they include CBBC and CBeebies (at least!)

I just don't feel strong enough to do this but know I have to!

I recently changed energy provider so assume I'm on the best deal there.

Always worth double checking when you feel you can

I will speak to Virgin to see what they can do as my H was always downloading tons of stuff, which clearly I won't be doing because I don't know how!

I can't change the locks yet as the house is in joint names and he is still officially half the owner.

Everything is in my name anyway so not much I can do there, but it does save me the hassle of changing eveyrthing over.

We do have a joint back account but its got no money in it. Its the accoutn where we put our bill money and that's about it. I do have a credit card debt (Which is joint, but in my name!) but he has said he wil honour that and pay half each month.

You could pre-empt the changeover by opening a new current account in your own name only if you need to and have the info to hand when you need to transfer over any direct debits and standing orders. Then close the joint account

I don't know. This is just so hard and on top of all that Im workign full time and trying to prepare a 6 year old for the departure of his Dad! Lets turn that around...on a brighter note, i have a full time job and a 6 year old who will understand

And you have us to help you too

Thanks all....I'll get there!

Good luck, and well done on making the positive choice - your little boy will thank you for it when he's grown up!

Jojo_the_Tightfisted

Don't forget that you'll also save a hell of a lot of money from not having to prop up his addiction anymore. Or the emotional cost.

To anyone that's been there, being dumped with the credit card bill (as is almost inevitable) is worth every penny.

Seanymph

I always save a fortune on food when OH is away - me and the kids don't mind much snackier food for meals.

Well done on getting organised - i am another one who is voting for close the accounts.

Mr Reasonable this week may well not be in three months.

needing-help

Thanks for posting op, I'm so sorry this is happening to you. My husband told me last week he was leaving so I'm going to be using all the advice you are getting. I'm not being as proactive as you though.
x

issytm

Been there...and out the otherside...you can do it..whatever you do dont engage solicitors...In terms of utilities, plusnet are brilliant and much cheaper than other providers....are you getting family/child tax credit....check now you are single that you might be entitled to extra benefits.I agree close the joint account....my advice is talk to the bank...I found most people very human and understanding.....check your credit file and make sure he is not associated to you once hes left.......its going to take time its not instant I can assure you......but you will get there...look at the positives and keep going forward...

janb5

Looking back(14 years!) I wished I had kept a diary-one of those large ones with a page a day. Then I could have a list of things done and jobs outstanding. I agree with Issytm who said it is a long haul and doesn't happen quickly. You will certainly find out who your true friends are. Remember not to do too much too quickly as you wont have the emotional strength. I was lucky in that my ex agreed to my leaving joint account and I forwarded on all his credit bills/post to new address.


Credit files cost about £2 to access. Well worth is so you don't have any nasty surprizes. I think its name is Experian?