Ex partner of 3 years took money out of my savings

pstones578

Long story short. Split 3 years ago. Advised bank and got seperate accounts. 3 years on I transfer some money into my savings. Within 48 hours ex wipes it out as somehow that savings account was joint even though I specifically told santander it was a split 3 years ago.

So when I log into online banking I see

Savings with my last name in the reference
Main account
Credit card

Somehow ex could see savings too and has wiped it out.

Im not sure what to do but Im thinking

A - lodge a formal complaint with santander and escalate
B - get into financial ombudsman
C - contact the police
D - civil proceedings

Any thoughts would be appreciated

Thanks

JayJay100

How do you know that it's your ex, and not general banking fraud?

pstones578

It says on the reference for the transfer transfer to

ExFirsrname ExLastname

moneyistooshorttomention

What proof do you have of telling the bank it's your account only now?

I'm thinking along the lines of:
a. Providing proof to the bank
followed by (if that doesnt work)
b. There must be a Banking Ombudsman one can go to if banks dont do their job properly?

and...yes...I would contact the police if you can provide proof that it's a theft by her.

pstones578

They will have recordings of the calls is about as proof as it gets.

peachyprice

Didn't Santander ever send you a letter confirming that it was now a single account? What forms did you fill in? They wouldn't have removed your ex just on your say so and certainly not on the back of a phone call, your ex would have had to sign something to say they agreed to be taken off and Santander may even have wanted to close down the joint account and opened a new one in just your name.

If none of the above happened the account was never converted to just your name.

PeacefulWaters

pstones578 wrote: »

Long story short. Split 3 years ago. Advised bank and got seperate accounts. 3 years on I transfer some money into my savings. Within 48 hours ex wipes it out as somehow that savings account was joint even though I specifically told santander it was a split 3 years ago.

So when I log into online banking I see

Savings with my last name in the reference
Main account
Credit card

Somehow ex could see savings too and has wiped it out.

Im not sure what to do but Im thinking

A - lodge a formal complaint with santander and escalate
B - get into financial ombudsman
C - contact the police
D - civil proceedings

Any thoughts would be appreciated

Thanks

All logical approaches.

The biggest issue you're going to have is that you failed to check the account was in your sole name only.

C and D options are pointless if the account remained in joint names.

JayJay100

pstones578 wrote: »

It says on the reference for the transfer transfer to

ExFirsrname ExLastname

No doubt there, then.

I suppose it depends on what you want the outcome to be. If you just want the money back, it looks as though it 'should' be fairly simple to get it back, as it's Santander's mistake, and you can back that up with substantial proof.

If you want to punish the ex (and if I'm honest, I'd want to, on a 'how bloody dare he' basis), I'd sound things out with Santander first, and see what they say, and perhaps speak to Action Fraud for further advice.

Keep_pedalling

Is there any possibility that the account is actually yours alone, but your ex simply knows your details and password?

Marvel1

pstones578 wrote: »

They will have recordings of the calls is about as proof as it gets.

Did you check it was done?

peachyprice

JayJay100 wrote: »

No doubt there, then.

I suppose it depends on what you want the outcome to be. If you just want the money back, it looks as though it 'should' be fairly simple to get it back, as it's Santander's mistake, and you can back that up with substantial proof.

If you want to punish the ex (and if I'm honest, I'd want to, on a 'how bloody dare he' basis), I'd sound things out with Santander first, and see what they say, and perhaps speak to Action Fraud for further advice.

OP only 'substantial proof' op may have is recordings of phone calls, they would never have taken the ex's name off with a mere phone call or two.