Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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Thread: JOINT ACCOUNT

  1. #1
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    tightwadten Novitiate

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    Default JOINT ACCOUNT

    my Abbeyicon account is in joint names with my wife, are there any differences in the claim? should all letters be in joint names?

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  2. #2
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    If the account requires both signatures - yes. Otherwise, no


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    mine was a joint account and i have settled in full today. in letters i put both names and sigantures and emails i addressed from me and in brackets i put 'also on behalf .........' good luck with your cliam


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    Quote Originally Posted by pink_fairy
    mine was a joint account and i have settled in full today.
    Do you mean they paid you the charges back?


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    yes...all of them! ive been sending letters back and forth for about a year - made the claim sorted in about a month and cheque is on its way - can hardly believe it myself!


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    pink_fairy
    can hardly believe it myself!
    Oh, Faithless One...

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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    Default Re: JOINT ACCOUNT

    I have a joint account with Abbeyicon and they have sent a request back to me for my wife to sign the DPA request:

    .... " The Data Protection Act relates to people as individuals and while your accounts may give within the Terms & Conditions the authority for either individual to operate the accounts you hold, under the Data Protection Act and a Subject access requesticon we must receive a signed consent from each party to enable us to disclose individuals' data "

    My wife is not into all this claiming lark and I tend to do all these sort of things myself and haven't involved her too much in this forum, but I thought I'd seen in another thread somewhere ( can't find it - too many threads?) that we don't need both signatures for a joint account where either of us can sign. Any comments on this please?

    I sent my £10 but it hasn't gone through the account yet and received one year of statements from the infamous Sheena Small ( busy lady these days!)


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    Default Re: JOINT ACCOUNT

    Well I've sent the letter from me only as my understanding is that because the account don't need 2 signatures (see Richards post) that only 1 sig is required.

    Also as with all joint accounts I am responsible for the debt either solely or jointly.

    Regards
    Stebiz

    So far 5 Credit Agreements struck out by court for not complying with the Consumer Credit Act. Total £34,000

    2 other Credit Cards totalling £8,000 have not been taken to court, yet!! As they can't find CCA.

    Received £3100 Bank Charges from Abbey National - Aug 2006
    Received £223 Bank Charges from Halifax - Apr 2007



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE