Removing myself from a joint account

SueC_2

mab3000 said:

I don’t know for certain with Santander, but it is possible that the fact the account is now in dispute/frozen status means that you might have withdrawn any rights to act solely to do anything on the account, including closing it. I know this would be the case with other banks. 

Sorry, I've obviously said something misleading at some point - the account isn't frozen or in dispute.  I was simply told by Santander that I can't close it, or remove my name from it, without my ex signing in agreement - which he won't do, purely for the sake of awkwardness.  Once I am no longer under the same roof as him I will be more prepared to upset the apple cart, and will approach Santander again quoting the terms and conditions that @earthboy kindly brought to my attention.

eskbanker

SueC_2 said:
Once I am no longer under the same roof as him I will be more prepared to upset the apple cart, and will approach Santander again quoting the terms and conditions that @earthboy kindly brought to my attention.

Unfortunately they will then point out that those are old Ts & Cs dating from 2018, and will highlight that it's the 2023 ones that count, from which my earlier quotes were taken....

Effective from 17 October 2018, various references to joint accounts throughout document:
https://www.santander.co.uk/assets/s3fs-public/2018-10/general-tcs-and-important-information-ca-savings_0.pdf

Effective from 31 July 2023, clauses for joint accounts all now in section 13:
https://www.santander.co.uk/assets/s3fs-public/AD_documents/banking_and_savings_terms_and_conditions_core0016jul23hcd_lr_10.pdf

SueC_2

eskbanker said:

SueC_2 said:
Once I am no longer under the same roof as him I will be more prepared to upset the apple cart, and will approach Santander again quoting the terms and conditions that @earthboy kindly brought to my attention.

Unfortunately they will then point out that those are old Ts & Cs dating from 2018, and will highlight that it's the 2023 ones that count, from which my earlier quotes were taken....

Effective from 17 October 2018, various references to joint accounts throughout document:
https://www.santander.co.uk/assets/s3fs-public/2018-10/general-tcs-and-important-information-ca-savings_0.pdf

Effective from 31 July 2023, clauses for joint accounts all now in section 13:
https://www.santander.co.uk/assets/s3fs-public/AD_documents/banking_and_savings_terms_and_conditions_core0016jul23hcd_lr_10.pdf

Ah.  I think the fact that I didn't spot that myself goes to show that I'm in a bit of a tizz at the moment! 🤦‍♀️
Off to practice my deep breathing techniques until I'm outta here!

mab3000

SueC_2 said:

eskbanker said:

SueC_2 said:

There is currently no debt though, so if they would allow me to remove my name from the account, and at the same time cancelled my debit card and online access, any future debt wouldn't be down to me.

Which is how (and why) the dispute/freeze option works....

So I put the account into dispute / freeze it.  He goes ballistic.  I get suitably 'punished'.  No-one has the account or the money.  And we're still financially linked.

I'm not sure who that's 'working' for, but it doesn't feel like me.

Sorry. I mis read this post and took it that you had actually put the account in dispute 

EarthBoy

eskbanker said:

Effective from 31 July 2023, clauses for joint accounts all now in section 13:
https://www.santander.co.uk/assets/s3fs-public/AD_documents/banking_and_savings_terms_and_conditions_core0016jul23hcd_lr_10.pdf

Those 2013 conditions leave the situation very unclear.  There's very little in them about how any customer can close an account, except one sentence in section 19:

"If you want to close your account or end this agreement, then you just need to tell us."

Section 13, for joint accounts, says "Each of you can operate the account on your own, without the other’s approval." but it doesn't specifically mention closure.  I would say that "operate the account" would include closing it, and that "you just need to tell us" would include one party to a joint account, i.e. "you" is either of you, but it's very ambiguous.  

born_again

Given that OP has stated that both still living in same house.
Best option is to wait till they move out. Then bring up the subject of the joint account.
They can then put it that either they sign the form, or they put the account into dispute & have it frozen.

Of course OP could empty it 1st if they wanted. 
But if there is any form of abuse involved here. Maybe Op would be better speaking to one of the many charities that deal with these situations & can provide support.

eskbanker

EarthBoy said:

eskbanker said:

Effective from 31 July 2023, clauses for joint accounts all now in section 13:
https://www.santander.co.uk/assets/s3fs-public/AD_documents/banking_and_savings_terms_and_conditions_core0016jul23hcd_lr_10.pdf

Those 2013 conditions leave the situation very unclear.  There's very little in them about how any customer can close an account, except one sentence in section 19:

"If you want to close your account or end this agreement, then you just need to tell us."

Section 13, for joint accounts, says "Each of you can operate the account on your own, without the other’s approval." but it doesn't specifically mention closure.  I would say that "operate the account" would include closing it, and that "you just need to tell us" would include one party to a joint account, i.e. "you" is either of you, but it's very ambiguous.  

Not sure I'd agree with that interpretation, especially when Santander have removed their previous reference to 'this includes instructions to close the account' since 2018, but agree that it's ambiguous.

However, if Santander have already made their position clear then I'm not convinced that the wording is enough to counter that - no harm trying though!