Bank Account that will not allow you to go overdrawn

lufc7

Sounds daft bur is she aware of the actual costs that she is costing you both on a monthly basis? Have you sat down with her to explain? Educate her a little? (I really don't intend that to sound patronising to you or her, some people are oblivious) especially since it is you topping up the account all the time? May help your situation a little and provide them with a little reality check with regards to budgeting also good luck

Anthorn

grumbler wrote: »

She isn't "ex" yet, so everything can be easily done without any court orders.

Did you miss the brackets around "ex-".

I disagree, if anything it's easier to remove an "ex" than a current spouse unless of course they agree in writing.

If a bank refuses anything and we think it should agree then the only recourse is a court order which in this case should be easy to get. Doubtful that arbitration such as the banking ombudsman would get involved but we can try.

grumbler

Anthorn wrote: »

I disagree, if anything it's easier to remove an "ex" than a current spouse

You may disagree, but you are wrong.

If a bank refuses anything and we think it should agree then the only recourse is a court order which in this case should be easy to get.

In this case, when it's not deeply overdrawn, there is no need in any court order.
If it is overdrawn, there is no any legal grounds for a court to issue the order.
A joint account can be with anyone, not necessarily a spouse, so a divorce doesn't change anything from the legal point of view.

DCFC79

securityguy wrote: »

Moral: don't have a shared bank account with someone who is financially irresponsible. Split your finances and leave her to sort her own mess out.

Agreed, should also speak to the wife about the spending.

grumbler

You say this like it is possible that the OP came to a forum without speaking to his wife first...
I bet he did, and more than once.

Anthorn

grumbler wrote: »

You may disagree, but you are wrong.
In this case, when it's not deeply overdrawn, there is no need in any court order.
If it is overdrawn, there is no any legal grounds for a court to issue the order.
A joint account can be with anyone, not necessarily a spouse, so a divorce doesn't change anything from the legal point of view.

You appear to be arguing with yourself.

What legal grounds? It's a civil case. We think something should be done. The other party refuses so we go to court. Whoever wins, end of case. But if the case against the other party is strong it is likely that the other party will settle before it comes to court.

Take my case FYI: Way back in the mists of time, I was joint tenant with my wife in a local council property. I left the property, we divorced, my then ex-wife emigrated to Australia, I re-occupied the property, asked the local council to remove my ex-wife as joint tenant leaving me as sole tenant. The council refused, I went to court, the council settled before it came to court and paid me compensation.

If there had to be legal grounds for anything then there would be no need for civil courts of law to exist except to ratify and enforce the legal grounds.