She did mention the possibility of seeing a solicitor, but she hasn't got the money to pay for that. And he won't want to get involved either. He is being proper childish about it all.
I will mention this to her as well. Thanks.
Getting out of a joint bank account.
- Thread starter CK61938
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She did mention the possibility of seeing a solicitor, but she hasn't got the money to pay for that. And he won't want to get involved either. He is being proper childish about it all.
I will mention this to her as well. Thanks.
joint and severely liability here - Bank won't act on one individuals say so if there is an overdraft - if no overdraft - it's much simpler
I would start by writing to the bank asking them to close the account and render a final statement - and advise that you will not accept responsibility for transactions with immediate effect from this date. Keep a copy, you may have to argue your case later.
If the account is frozen then direct debits will bounce so you will need to make alternative arrangements for these potentially.
I would start by writing to the bank asking them to close the account and render a final statement - and advise that you will not accept responsibility for transactions with immediate effect from this date. Keep a copy, you may have to argue your case later.
If the account is frozen then direct debits will bounce so you will need to make alternative arrangements for these potentially.
Man of Honour
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tbh, sometimes a letter from the solicitor may be all that is he needs. It might also be a good idea to pay Citizens Advice Bureau a visit. I'm sure this is common and they may have some sound advice. Particularly with funding solicitor costs, if need be.
Hmmm. I don't think he even cares what happens to the account. He's been texting her all sorts of abuse of late. Including that he doesn't care about bank charges, etc, etc.
Yeah, this might be the best option. I did tell her it's likely a lot of people have been in this position. So I will let her know.
In which case he would also have a charge of fraud to deal with
(not saying it's not a possibility, but he'd have to be pretty stupid to do it!)
Soldato
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Aside from what's already been advised your friend should also sort out a Notice of Disassociation.
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Ck wants to get on it
White knight to the rescue! I bet you listen to all her problems and nod your head sympathetically saying stuff like 'Hes a douche, you can do better than him etc'' When you don't know the full story....you're just getting a completely biased one from her side. The fact you just slated him in the OP tells me a whole lot.
White knight to the rescue! I bet you listen to all her problems and nod your head sympathetically saying stuff like 'Hes a douche, you can do better than him etc'' When you don't know the full story....you're just getting a completely biased one from her side. The fact you just slated him in the OP tells me a whole lot.
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Associate
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Unless the overdraft was secured against the house then she can't do this.
If he doesn't pay back the overdraft and the bank file for bankruptcy against him, then they can (well, it would be seized and sold to pay of his debts - the majority of which would likely go to the bank as they probably have the largest share of his debt).
Soldato
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The bank will not allow your friend to remove herself from the account unless it is in the black, however they can and should freeze the account so neither party can play silly beggars with whatever facilities they have with the account.
Also she will be financially linked to this guy on her credit report, a quick google should point you in the direction of the form she needs to send to the likes of Experian to see him removed.
Well thats been my experience with RBS anyway.
Also she will be financially linked to this guy on her credit report, a quick google should point you in the direction of the form she needs to send to the likes of Experian to see him removed.
Well thats been my experience with RBS anyway.
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Caporegime
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It would be a good idea for your friend to send a dated and signed letter explaining the circumstances to her bank, followed by instructing a solicitor.
Think you mean joint and several - although the liability could be severe! This is effectively the worst part of her position. The bank can take action against both parties individually to recover the full amount. Whilst action against both is likely to be concurrent, it is quite probable that they would focus their efforts upon the one who is most likely to have the liquid assets or income to repay. If the scumbag partner is racked with debts, your friend will be the most likely target. The bank could require her to repay the amount in full - or else suffer judgement against her, bankruptcy etc - leaving her to sort out any contribution from the other party. Any attempts to repossess the property would be a last resort as the process is so convoluted - far easier for the bank to go for something like an attachment of earnings as your friend is earning.
In the meantime, as others have said, have the mandate cancelled (this can be done by one party), get a credit check, get some legal advice. Above all else, speak with the bank and ask their advice.
Soldato
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no, it's not worth it at all imho
I can't understand the emotional difference between not being married, and married. Does the love change the second you sign the paperwork in the church? I'm very confused. I kinda get having a special day with friends and family, but it's a weird excuse for an amazing party to be honest. Just have an amazing party
ahhhhh, forgetting something. The parents pay for the holiday. Yep, I've answered my own question.