Ex removing his wages.

Cryingemoji

Hi all, not sure if this is the right board for this.

Have a joint account with my h who has announced he's leaving me.  He told me he's already opened a new bank account for his wages.

He's seemingly trying to distance himself from this account.  We have a lot of direct debits which will be due at the beginning of next month which I simply won't be able to pay.

Obviously his name is on the account so he is liable too, but what will happen when they start bouncing.

I do have some help from family but currently no income.

Thank you.

Section62

Cryingemoji said:

Hi all, not sure if this is the right board for this.

Have a joint account with my h who has announced he's leaving me.  He told me he's already opened a new bank account for his wages.

He's seemingly trying to distance himself from this account.  We have a lot of direct debits which will be due at the beginning of next month which I simply won't be able to pay.

Obviously his name is on the account so he is liable too, but what will happen when they start bouncing.

I do have some help from family but currently no income.

Married? Homeowners/mortgage/rented? Children under 18?  All will help determine whether he needs to continue paying in.

You might be better off posting in the Marriage&Relationships board as the issues will be more to do with family law than pure banking -

https://forums.moneysavingexpert.com/categories/marriage-relationships-families

WillPS

You can have your name removed from the account and leave it all to him if you want. Visiting a branch will probably achieve this soonest.

Either way your bills will probably not be paid and obviously there will be repercussions of that. If payments bounce then the arrears will be incurred by the persons named on the bill, not the current account they bounced from.

Are you and your ex still living at the same address? Feels like a more equitable solution is needed while you wind things up in any case. 

Cryingemoji

Section62 said:

Cryingemoji said:

Hi all, not sure if this is the right board for this.

Have a joint account with my h who has announced he's leaving me.  He told me he's already opened a new bank account for his wages.

He's seemingly trying to distance himself from this account.  We have a lot of direct debits which will be due at the beginning of next month which I simply won't be able to pay.

Obviously his name is on the account so he is liable too, but what will happen when they start bouncing.

I do have some help from family but currently no income.

Married? Homeowners/mortgage/rented? Children under 18?  All will help determine whether he needs to continue paying in.

You might be better off posting in the Marriage&Relationships board as the issues will be more to do with family law than pure banking -

https://forums.moneysavingexpert.com/categories/marriage-relationships-families

Thanks for replying.

I tried the marriage board but it's seemingly so quiet in there I'm not getting a lot of responses and I'm feeling pretty desperate.

Sorry for the lack of context.  Yes married 20 plus years, living in a family owned property (of which they're not currently expecting rent).  3 children, 2 of them are adults..

Cryingemoji

WillPS said:

You can have your name removed from the account and leave it all to him if you want. Visiting a branch will probably achieve this soonest.

Either way your bills will probably not be paid and obviously there will be repercussions of that. If payments bounce then the arrears will be incurred by the persons named on the bill, not the current account they bounced from.

Are you and your ex still living at the same address? Feels like a more equitable solution is needed while you wind things up in any case. 

Thank you for replying.

We're currently still living together but he moves out in 3 weeks time.

WillPS

Cryingemoji said:

WillPS said:

You can have your name removed from the account and leave it all to him if you want. Visiting a branch will probably achieve this soonest.

Either way your bills will probably not be paid and obviously there will be repercussions of that. If payments bounce then the arrears will be incurred by the persons named on the bill, not the current account they bounced from.

Are you and your ex still living at the same address? Feels like a more equitable solution is needed while you wind things up in any case. 

Thank you for replying.

We're currently still living together but he moves out in 3 weeks time.

Not a problem, hope we can help.

You mention 'a lot of direct debits' in your previous response. What are these for please?

If they're for household bills (i.e. utilities/council tax), and they're not in arrears, then you should probably seek to have these moved in to your own name with effect from the date he is no longer living there. In the case of Council Tax this might have the effect of reducing your bill depending upon occupancy.

If they're for debts - credit cards, store cards, car finance or loan repayment - are they for debts in your name or his? Regardless of that, are they debts which you feel you have a moral responsibility toward (i.e. a car he financed but is yours to use)?

Cryingemoji

Yes, so most of the direct debits are for household bills.

Then there are 'debts' of a credit card (of which I'm only a second card holder) and a loan repayment.  We looked at our credit reports and both of these are showing on his file but not mine..

WillPS

Cryingemoji said:

Yes, so most of the direct debits are for household bills.

Then there are 'debts' of a credit card (of which I'm only a second card holder) and a loan repayment.  We looked at our credit reports and both of these are showing on his file but not mine..

So the credit card is his, and the loan is also his. Put them aside for the time being as they are his responsibility to then sort out; it sounds as though he is the only one with any ability to service them too.

What household bills are there to pay (type of service and approximate monthly cost please)? Who's name are these each in currently?

How much income to do you personally have? Would you be eligible for any benefits?

elsien

Are the two children who are adults working and able to pay their way directly to you? What about child maintenance for the child who is under 18, and what about child benefit?

I think if I were you, I’d be looking at opening up a separate bank account as soon as possible and any income you do get start to be paid into that because if your joint account goes into dispute it could get frozen. Maybe one of the online ones such as Chase or Starling could be easier as a starting point.

Also go onto the benefits board and ask about starting a universal credit claim if you think it’s going to take awhile to get a job, because that isn’t a quick process at the best of times. 

MattMattMattUK

Cryingemoji said:

Yes, so most of the direct debits are for household bills.

Then there are 'debts' of a credit card (of which I'm only a second card holder) and a loan repayment.  We looked at our credit reports and both of these are showing on his file but not mine..

Cancel the Direct Debit for the loan and credit card, he needs to set them up tomorrow from his new account. Stop using the card so there is a clear differentiation between his and your spending.

I agree with Eilsen, you need your own bank account ASAP.

BoGoF

Got yourself your own sole account and transfer over the bills you are liable for to this. If his loan/cc direct debits bounce it's his credit file that is going to be trashed.