confused over whose direct debits

assis104s

I own a joint account with my ex husband. How do I find out which direct debits are in his name and which are in mine? I have asked my bank but they haven't been too helpful as they can only provide a list of direct debits linked to the account and not whose name they are in or the names of the companies that the money goes out to.

Any info would be gratefully received.

Thanks

Ballard

The direct debits may be in both names so the bank wouldn't be able to help much for that but they should be able to tell you which companies have active direct debits on your accounts. They may charge to provide the information though.

Do you have online banking? I have current accounts with First Direct & Santander and I'm pretty sure that there's a section on each bank to show direct debit details.

assis104s

Yes I have an online account, but unfortunately it doesn't show the information I'm looking for. They also won't say which companies I have direct debits with

alanq

Regardless of which of you authorised the payments from the joint account they are both of your responsibilities.

Are you referring to Direct Debits from a bank account or Continuous Payment Authorities on cards linked to the account. In my experience banks can list the former (though some do so only after the first payment has been taken) but not the latter.

http://www.moneysavingexpert.com/banking/recurring-payments

pvt

I am not sure how you expect the bank to know.

All they will know is that an organization has set up a DD to your joint account, they will not know which one of you authorized the setting up of that DD, or what its purpose is.

chrisjdw

The reason the bank won't tell you is because they can't. A direct debit on a joint account, is simply that, it's in both your names. Doesn't matter who set it up, it's the responsibility of both of you. With direct debits being in complete control of the company not the bank, ringing each company is the only way.

Ballard

I occasionally used to see direct debit mandates and I can advise that for joint accounts they were sometimes in the name of Mr x, sometimes Mrs x and sometimes both. The problem is that this isn't what was stored in our system. That just showed that a direct debit existed.

We were a small bank and so it would have been possible for us to look through the paperwork for a fee. I would imagine that high street banks could also do this but there would be a fee and it might well be that when the paperwork is dug out it's in both names anyway.

I'm very surprised that they're unable to supply you with a list of the companies involved and neither is it online. My only suggestion is that you look through your statements and manually note them.

assis104s

Thanks for your help with this everyone.

CLAPTON

assis104s wrote: »

Thanks for your help with this everyone.

which bank do you use : people have have some relevant knowledge

jonesMUFCforever

Surely you must have a good idea of what's what?
Who pays rent/mortgage?
Who pays the gas and electric?
Who's phone you use and which one he uses? etc etc

eskbanker

assis104s wrote: »

I own a joint account with my ex husband.

Only just noticed the two key letters there: 'ex'! Without wishing to pry into your personal circumstances, sharing a joint account and being financially linked with someone with whom you no longer share your life sounds like something worth avoiding, given the risks of doing so (such as him going into debt that you'd then be responsible for). Please say you're asking because you're trying to split the finances up!

I can't understand an online banking service that doesn't show direct debit mandates, including the name of the companies concerned, which bank is it?