Hello all,

My daughter has a joint account with her ex that she wishes to have her name removed from but the Bank/Halifax are making it difficult.

Her ex left earlier this year and moved back to Scotland and left her with debts and a load of other problems which she has slowly managed to get sorted.

She had to give up her courier job to look after the two children(6 and 4 yrs) and so has had to claim IS.

However, due to this joint account the IS people are making it difficult to get the benefit and this has been ongoing since March.

After many calls to the IS they said she would have to make a new claim which she has now done so has to get around the Joint account problem.

Noe the bank says there are only two ways she can get her name off the account and these are,

1] she has to go to Scotland and sign a joint application paper to have her name removed as both parties have to go to the bank and sign the same time. She really really does not want to do that,

2] The other way is to actually get him to close the account and has he is out to cause as many problems for her as he can the chances here are probably a big fat zero.

So, is there anyway that she can get this account closed/ name removed other than what the bank has said.

She really wants it closed as to protect herself from any debts he may run up.

The other question is now she's made this new IS claim will they take it from the date of the claim or will they back date it to the start of the original claim.

Any help/advice is appreciated

I would assume the account is in debit ?

For that reason you will struggle as joint account is joint and several for any outstanding debts.

Andy

STOP using the account and bank, open up a different bank account with the post office or some other and have all of your income paid into the new account.

Andy,

The account is in credit and has always been since it was originally setup. She has not used this account since they split up.

Bazooka Boo

She has done that so that any money she gets paid by IS (when they finally get to giving her some) does not go into the other account.

Her child benefit and CTcredit is being paid into the new account as well.

Just wondering if theres some kind of letter that can be sent to the bank so that she can get her name off the joint account. Or, that they have split up

and she is no longer using that account so would like her name removed from it and that she will not be responsible for any debts that may occur on

the joint account from the date of the breakup.

Really just want someway of getting her name off the account without her having to travel 300 miles to Scotland just to sign a paper.....

Would it be worth a trip to the local citizens advice centre?

If you would like to remove a party on your bank account, call into your local branch with identification. View acceptable forms of identification. A request to remove a party from your bank account will only be accepted where the account is in credit.

https://www.bankofscotland.co.uk/helpcentre/addorremoveaparty.asp