Trying to close a joint account

colsten

If I was your partner, and as the account is not overdrawn, I would close the account straight away. There is nothing her ex can do, as the terms he had agreed to allow each of them to close the account. There is no way any Court could overrule those T&Cs.

If your partner is unsure that she can close the account without repercussions, she should consult her solicitor.

When closing the account, she should not engage in any discussions with the Halifax staff over the reasons for the closure. "We do not need it any longer" is the most she has to tell them. It is complete nonsense that her ex "would have very good grounds to sue. "

Link to T&Cs of the Reward account (other accounts have essentially same terms regarding joint accounts): http://static.halifax.co.uk/assets/pdf/bankaccounts/pdf/reward-current-account-guide.pdf

grumbler

I agree, closing the account is the easiest way of solving the problem:

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.

MrJames1980

Thank you very much for all the replies.

I'll pass all that's been said on to her.

nwc389

I worked for the bank in question , your ex is better off just closing the account . No need to discuss with the staff why , just visit the counter with the card , they will calculate what needs to be paid in and will close the account .
If the ex is not using the account then under the T&C its fine for just one party to close it .

colsten

nwc389 wrote: »

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If the ex is not using the account then under the T&C its fine for just one party to close it .

It does not matter whether the ex uses the account or not.

The other joint account holder is entitled, according to the T&Cs, to close the account any time she likes.

All she has to do is settle any negative balance beforehand - - but since the account isn't presently overdrawn, that is not an issue. It could become one, though, if she doesn't move swiftly.