Cheques in account of the same name

pufling

Hi

My husband has the same name as his father and has being paying cheques into his account to avoid putting them into the joint account so he doesn't have to contribute to joint comintments.

Yes I know he is being an !!!!!!, but that's a separate issue.

What I do want to know is, is there anything I can do to stop this happening, the cheques aren't made out to his father but as he has the same name I figure that's a loop hole.

If I tell the bank can they do anything? I know of at least 2 cheques.

Both accounts are with the same bank

Mojisola

pufling wrote: »

My husband has the same name as his father and has being paying cheques into his account to avoid putting them into the joint account so he doesn't have to contribute to joint comintments.

Yes I know he is being an !!!!!!, but that's a separate issue.

What I do want to know is, is there anything I can do to stop this happening, the cheques aren't made out to his father but as he has the same name I figure that's a loop hole.

If I tell the bank can they do anything? I know of at least 2 cheques.

I don't see what the bank can do - if a cheque is made out to "John Smith" and that's your FIL's name, how could the bank refuse it?

I wouldn't have a joint account with someone who isn't trustworthy and committed to the relationship. The problem is your husband's behaviour, not the bank accepting cheques.

pufling

That's my thinking, he has obviously found a loop hole, can the bank do anything to stop it if I made them aware.

Only have one joint account as otherwise I'd have to take all the financial responsibility, yes I'm aware this has to be sorted long term.

Mojisola

pufling wrote: »

That's my thinking, he has obviously found a loop hole, can the bank do anything to stop it if I made them aware.

Only have one joint account as otherwise I'd have to take all the financial responsibility, yes I'm aware this has to be sorted long term.

Get a new account opened in just your name.

I can't think of any way the bank could stop someone paying in a cheque to an account if the name matches.

redpete

It's not a loop-hole, if you somehow stopped this happening then what is to stop him opening a new account in his name only and paying these cheques into this new account.

If a cheque is made out to his name then it is his money - he can do whatever he wants with it.

pufling

redpete wrote: »

It's not a loop-hole, if you somehow stopped this happening then what is to stop him opening a new account in his name only and paying these cheques into this new account.

If a cheque is made out to his name then it is his money - he can do whatever he wants with it.

Made out to him not his father of the same name. For the record he does have his own account in his own name, so yeah he could be paying them in there as well, but he isnt

colsten

If he is depositing cheques that definitely belong to his father (do they really?) into his own account, he is a thief. His father should ask for the money back, and if necessary go to the Police to report the theft.

elsien

colsten wrote: »

If he is depositing cheques that definitely belong to his father (do they really?) into his own account, he is a thief. His father should ask for the money back, and if necessary go to the Police to report the theft.

Wrong way round - he's paying his cheques into dad's account.
He's not nicking money, he's trying to hide his own.

pufling

:beer:

elsien wrote: »

Wrong way round - he's paying his cheques into dad's account.
He's not nicking money, he's trying to hide his own.

Correct, and this thread has added something else into the equation I never considered, he does have his own account in his own name, that I don't have access to, nor do I ever see the balance / statements. So why not use that?


I do realise there is a bigger problem here, my aim is to keep the bills ticking over until I can work out what to do. As it is I'm the one putting "my own" money into the joint account to cover everything, while he hides "his own". If I stop everything stops getting paid then I'm left with a bad credit rating.

colsten

Apologies for misunderstanding what is going on.

Can you get your name taken off the joint account? It should be possible whilst the account is in credit.

Although the financial relationship on your credit file would probably continue to be recorded for some time.

redux

Is this mainly about hiding money from you, or perhaps also from the taxman?

Or is the father having a hard time at the moment, and this is just temporary to help?