Lloyd’s bank joint account closure issue

viksviks84

Hi,

I’m hoping someone has been in a similar situation and can advise on the best way to proceed - if there is one.

I had a joint account, which Lloyd’s froze / blocked in 2015, after I contacted them as my partner left - not a single word, he just left. I believe he went back to his home town 200+ miles from me and he changed his mobile number. I have no way of contacting him.

Lloyd’s will not close the account without him present, there must be a way around this, given the situation?

Any ideas? TIA

AnotherJoe

Is the account empty ?

worried_jim

If the balance is zero there shouldn't be a problem. Sounds like its in arrears?

please expand on this-

"Lloyd's froze / blocked in 2015"

jonesMUFCforever

If its overdrawn they won't close it.

18cc

Don't forget that if it is in arrears then because it is a joint account you are both jointly and severally liable for it as they say - in other words they can come after either of you for the full amount

viksviks84

Hi

Sorry for late reply, it’s actually in credit to the sum of £6!

I have raised a complaint, but the branch said they won’t close the account without both of us being present, which will never happen

I may be stuck with this financial connection forever. Experian said they can’t remove it, because the current account is open.

When I typed blocked, I literally meant blocked, ie no transactions could be made on the account without one of us physically going into a branch. All online accounting was blocked, no payments can go into the account as they are bounced back to the sender.

viksviks84

AnotherJoe wrote: »

Is the account empty ?

No, £6 credit

viksviks84

FriendlyFoe wrote: »

Thats such a sticky situation. I would seek some kind of escalation as the banks procedures clearly don't address a situation like this- obviously the account has to be zeroed first.

Thanks friendlyfoe, banks really should have a process in place, I can’t be the only one this has happened to!

viksviks84

worried_jim wrote: »

If the balance is zero there shouldn't be a problem. Sounds like its in arrears?

please expand on this-

"Lloyd's froze / blocked in 2015"

No arrears , £6 credit.

i requested The account was frozen / blocked so my ex couldn’t build up an overdraft (and leave me with it) no outgoing or incoming payments can be made without going into branch.

18cc

Try raising a formal complaint with Lloyds. They have to reply, and if it is not to your satisfaction take it to the ombudsman. It is easy to do.

viksviks84

18cc wrote: »

Try raising a formal complaint with Lloyds. They have to reply, and if it is not to your satisfaction take it to the ombudsman. It is easy to do.

Thanks 18cc, hopefully they will help me, it’s just frustrating that you have to complain, why couldn’t the bank manager understand!