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About Fluff16

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  1. Yes and they said they still need both signatures, despite it being able to originally be closed by either. Only my ex was paying into it to allow me to draw money. I have the same with another account with Lloyds that they continued to spend on and i had no access despite it being in joint names. My ex ran up an overdraft and was still using the account to claim tax credits to which they were not entitled to and didn't notify them of even a month later. It took me that long to get access as I had to get ID and jump through hoops to gain any access to what was going on. He sent me
  2. I want my name removed from a joint bank account or the account closed. It is with TSB and has a £0 balance. Despite it being that either one of us can close it I have been told today that it can't be done in the usual way as there is a 'restriction' on it and it will need both signatures. Can anyone explain what that means? I have a sole account with TSB that is in credit and have no other debts or loans with them. Could it be that my ex has another account or loan with them that is in debt? That's what the customer advisor seemed to think was the reason but wasn't su
  3. Just tried to close the joint account that has a balance of zero and TSB won't do it with him signing????? Apparently there is a restriction on it even though either of use can close it down as it only needs one signature. The reason they give is that he must have a another account or loan with them, solely in his name, that must be in debt. This is turning into a nightmare to get sorted. The other joint account is with Lloyds are they are refusing to do anything other than block it for a month unless the overdraft is repaid. think the only thing left is have to have a notice registered w
  4. I can't close the joint bank account as the overdraft he ran up is still outstanding although it has been blocked and nothing can go out or in. I have seen 3 solicitors and really got nowhere. One was just telling me that i had signed and that was that. Another told me just to keep waiting to see what happens and another then acted for him after telling me i should get 70% of the equity! None of them have addressed the fact that the debt was a joint one and only I ended up with the charging order or that I had no option to lower my share because of him and to prevent an order for sale.
  5. Just need it clarifying as I think it should be 50/50 and also half of the charging order amount in my favour at least. I'm trying to disassociate myself from him and have closed down 2 zero balance accounts. that only leaves the mortgage that I'm currently paying and a joint bank account that I had no access to until a month later. It only had tax credits paid into it and he continued to spend them, when he wasn't entitled to claim them, and ran up an overdraft of which he sent me a letter saying I should pay half in order to close the account! I'm sorry, but I am not willing to pay back
  6. Yes it was all pointed out but because he didn't respond to them they just took me to court instead. i told the solicitors at the time and all they kept saying was that they can take either of us to court or both and it was up to them. They said it didn't matter that the loan was joint or the bank account. As far as i know they never sent any court documents to him at all. just debt collection letters that he ignored. I didn't agree to ever taking on his share of the debt. In fact he said in court that he would ensure that payments were made on time, on my behalf, as I wasn't working which
  7. The charging order is in my name only and only on my share of the equity. despite him being present at the hearing it was never questioned why they didn't also include him. He put in an objection that it was unfair on him if the order for sale went through as it was only on my share. It was a joint loan and bank account that was put as a charging order. They only went after me as he refused to acknowledge them.
  8. Maybe but just want to clarify how to sort out a joint debt that is only on my equity, and what was backdated But thanks.
  9. I guess it's just so complicated. With the order for sale falling through the judge instructed that payments should made each month. A couple of months into that a letter arrived from the companies solicitor saying they were no longer acting for them. I tried repeatedly to make a payment and they were all refused by the company and they even tried to take out a CCJ for the same debt they already had a charging order on a few months later. Last time I spoke to them, 2008, they refused payment and couldn't give me any details of the account or who to get in touch with. They did
  10. What I don't get is that a solicitor told me it should never have happened. A joint debt charged on a jointly owned property but only done in my name? I'm wondering now if he submitted anything or told the company something that led to that. Thinking back he only ever said he had an interest in the property and never admitted that he was named on the original debts, I have all the paperwork to prove it from my side and copies of all the agreements and letter but no idea if he sent anything to them. So far I have spoken to 5 different legal services on 9 different occasions and they all d
  11. I also have a question about if I can take him to the small claims court for half of the charging order value? It was all for a joint debt and a joint account that he would not address. Would that be an easier option than trying to sort that part out later? I'm thinking it would help as it would put all the paperwork on the table with an outcome before it went to a higher level if it did get to an order for sale?
  12. At the moment he is harassing the mortgage company and trying to say no fees should be added at all as I got back all the fees charged years ago because they screwed up taking payments. He mistakenly seems to think that ruling means they can't charge any fees if he stops paying them or apply any fees at all if the house is sold and the mortgage is repaid early. At the moment there are only fees of £60..one is for £35 as he cancelled the direct debit and it was returned and the other is for £25 as I had to get copies of statements from them for benefit and legal purposes. I fully inte
  13. As far as I've been told and have found out, a tenancy agreement can be changed at anytime to tenants in common from joint without the mortgage company having any say as it only divides the equity and has no bearing on how the mortgage is paid as it still remains as joint and several liability regardless of the percentage held.
  14. Thanks for that. When the remortgage happened in 2003 the debt was still at CCJ stage with them threatening a charging order. The charging order happened after, in 2008, followed quickly by them trying to get an order for sale which is when the tenancy agreement was backdated. Some of the money from the remortgage was supposed to pay off the CCJ as I knew they would eventually go for a charging order, but he obviously didn't pay. I was completely reliant on him as he was working away a lot of the time or kept changing jobs while I was looking after our children and my disabled elderl
  15. Also I don't ever want to see him again or speak to him directly. Will I be able to do that and would the court allow it? I am frightened of him as he is so unpredictable and I know what has happened in the past.
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