Closing a joint Halifax reward account

JustAnotherSaver

Can you just send a letter off to do this?
Does it need to be signed by both people?
Can it only be done in branch?

For solo accounts i've always just sent a letter off but didn't know if a joint one would be different.

YorkshireBoy

JustAnotherSaver wrote: »

Can you just send a letter off to do this?

Doesn't seem like it, from reading the account T&Cs.

Does it need to be signed by both people?

No. Either of the account holders can close the account (unless Halifax are aware of/suspect a dispute between the account holders) according to the account T&Cs.

Can it only be done in branch?

Seems like it, from reading the account T&Cs.

For solo accounts i've always just sent a letter off but didn't know if a joint one would be different.

Joint accounts do seem to be different, from reading the account T&Cs.

noh

The T+Cs are here http://www.halifax.co.uk/bankaccounts/pdf/reward-current-account-guide.pdf?srnum=4
Page 28 is where you can find the conditions relating to joint accounts. I can't see anything that says you have to close an account in branch.

YorkshireBoy

noh wrote: »

I can't see anything that says you have to close an account in branch.

Page 14...

If you decide you no longer want the joint account or want to take one person off the account, you can request this in branch.

Since they don't say "and also by post, phone, or online", it's a fair assumption it can only be done in branch?...presumably as they want to satisfy themselves that there's no dispute between the parties and the best way to do this is face-to-face.

JustAnotherSaver

I remember the Vantage account with TSB. Nothing said you HAD to do the 2nd account over the phone or in branch, but it turned out you had to.

Anyway, IF it HAS to be done in branch then from reading the T&Cs it doesn't say whether both people or just 1 would have to go in branch.

Thing is, it's going to be very very difficult, almost impossible without timing work holidays right for both people to go in at the same time.

So could just 1 go in? But in this case, can they only remove themselves i take it?

YorkshireBoy

JustAnotherSaver wrote: »

Anyway, IF it HAS to be done in branch then from reading the T&Cs it doesn't say whether both people or just 1 would have to go in branch.

It says quite clearly, just 2 bullets above my quote above, that...


"either of you can...close the account without the other person's permission".

Steve059

YorkshireBoy wrote: »

<snip> "either of you can...close the account without the other person's permission".

Useful for adulterers and widow(er)s.

planteria

good advice above.
my only other thought is that, unless you are breaking up, don't do it. a HR account can be easily harvested for £5/month:)

vacheron

If it suits your situation you could switch to a new account using the faster switching service which can be done online and the faster switching service will automatically close the old account.

We just switched our joint Halifax reward to a joint Santander 123 and didn't have to visit either branch once

tabby_cats_mum

Last year someone posted a link to a form which could be used for closing Halifax accounts, I used that.

I've another Halifax account to close so I'd appreciate it if anyone can remember the post or has a copy of the form.

noh

JustAnotherSaver wrote: »

I remember the Vantage account with TSB. Nothing said you HAD to do the 2nd account over the phone or in branch, but it turned out you had to.............

Although not relevant to this thread. I opened all 3 of my Lloyd's Vantage online as I did with my three TSB Enhance accounts and my three BoS Vantage accounts.