Help

Luppielady

My ex and I still have a joint bank account a debit account. He's remarried too. I have 7sef the debit card recently and he says I have took money out that isn't mine and he wants about £450 back before Dec. Can he do that. I have asked for me to be taken off the account and he won't do it. It can't be frozen as he pays his bills out of it. We still have a mortgage on this house I am in too.the money he earns goes into this account too so I can't freeze it.
As it's a joint account can't i take money out and not have to pay it back. The thing is he's demanding it and threatening me a bit. I don't work I am on pip and they half his pension. I can't pay it all back at once. He said if I can't be can't pay his share of the mortgage on my house. What can I do please. :mad::eek:

unholyangel

Who pays money into the account?

When you say ex, do you mean ex spouse or ex partner? If spouse, did you not obtain a financial order at the time of divorcing?

74jax

So this joint account where his money is paid in, do you pay money in. When you took out 450.00 was it all his money?

HampshireH

Its very weird that your ex who is remarried is happy you still have access to all his money.

Ita more weird his new partner doesn't have an issue with this.

Did you remove £450 of his money or was it your money?

Why don't you have your own account and use this leaving no need to access the joint account.

paddyz

Is this an account that’s just used to pay the mortgage on the house?

calleyw

I am slightly confused, if its a joint account why can't you fill in a form from the bank and remove yourself? Also there is the question why would you not want to.

Even if its legal, morally its wrong. He is your ex and you are no longer together. So unless he has said you can take money out of the account why would you? Also if you pay nothing into the account why do you think it appropriate to take money out of it? Seems he is already paying to keep a roof above your head but you think its ok to take more with out permission.

You need to detach yourself financially from each other and get on with your own lives.

Yours

Calley x

JReacher1

It sounds like you’ve taken money out of the account that you know isn’t yours. That doesn’t seem acceptable behaviour.

I also don’t really understand why your ex is happy for you to have access to the account!

FBaby

It sounds like this is a joint account used to pay the mortgage, he pays in it automatically monthly for his share of the mortgage which comes out of it.

As you say that you took his share of the mortgage he pays in for yourself? If so, why would you do this? Did you think he wouldn't notice? If this correct, you are totally out of order and it's no surprise he is furious and refusing to pay the mortgage at all. It could get him into trouble, but it sounds like this might happen regardless or whether he pays his share or not.

-taff

The thing about a joint mortgage is that both parties are equally liable for it. If you stop paying your share, or he stops paying his share, you are as likely to be cahsed for the whole amount as he is.
Since you still live there, it's likely to be you that will be chased.
He can stop paying any time he likes, so can you, but you will both be pursued individually for any amount owed.
So what I'm saying is, give hime his money back, stop taking it, because if he decides not to pay his share of the mortgage, there will be nothing you can do about it, and you will eventually lose the house because you can't afford it by yourself.
If you really want to be taken off the account, go to the bank with your ID vrifaction docs/driving licence etc, and ask to have it done.

Claddagh_Noir

Seen as it is joint account and your name is still on there, you are entitled to withdrawal the money, however, morally, it was wrong what you did seen as he has remarried. Really and truly, you both should have sorted out the accounts during the divorce proceedings.