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    • Hi If you have went via a Mutual Exchange and this is to do with Social Housing/Housing Association then both parties need to firstly be approved by each parties Housing Association and accepted by them. Once this is done the relevant Housing Association for each will then get each party to sign a New Tenancy Agreement with the relevant Housing Association. So what we really need to know is: Does the other party to this Mutual Exchange know you have changed your mind on exchanging properties? Have they just signed an Agreement in principle to exchange properties? or Have they actually signed a New Tenancy Agreement for that Property? If they have signed a New Tenancy Agreement then this will make not now wanting to continue the mutual exchange difficult due to the New Tenancy Agreement being Signed. We really need to know what stage this is at to give correct advice
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    • going nowhere then. well if you've not been simply doing it to look the big cheese to your mates, you need to address why you are doing it. if its to impress your mates then simply stop being an idiot eh? , learn from it and go live your life . dx
    • Yes only with dwf. The first letter I received was explaining that I have not responded to the first letter they sent which I did not receive at all  then the second letter came, they said again saying we have not heard from you we are extending this another 14 days but at that point a couple of days before I called them on the phone saying I have received this and supposedly i owe money for stolen goods and that I need to see the breakdown which they then emailed to me dwf said this was what we were trying to send to you at first and I told them we have not received your first letter only one asking for demand of payment. On my second call to them I asked can you list the things that I have supposedly stole to which they replied “we normally have this on file but I can’t seem to find this on your file”   
    • oh well, at least your eign of terror is over now. so no contact directly since from/to sainsbury's. everything since has only been with DWF?
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Joint bank accounts and divorce


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Hi Hope someone has had experience similar to my problem with the Nationwide or other banks.

I am going through a divorce and my wife an I have a joint account. I am the only one putting money in and she is drawing it out and spending it, so I stopped putting money in but now my wife is using the overdraft facility and running up bank charges

My bank have refused to let me close the account without her permission but she won't agree to this.

Are they right to do this? If so what is my best step from here

Quick replies much appreciated

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Best step - go straight to the lawyer who is handling your side of the divorce.

British Shoe Corporation - won :) BT - won :) West Lancs Council - lost :-x 02 - won :) British Airways - still fighting :o STOP PRESS - RSPCA - daughter won with letters I wrote :)

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You may not be able to close the account, but I see no reason why you can't have your name removed from it.... but you will need something in writing from them to confirm the date when it's done.

 

If the bank refuse to do this as well, due to the charges that are now on the account... then see your solicitor as advised. He/she should be able to freeze the account, which means that your wife will have to fend for herself a bit more.

 

Meanwhile, don't pay anything else into it.

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Hi Hope someone has had experience similar to my problem with the Nationwide or other banks.

I am going through a divorce and my wife an I have a joint account. I am the only one putting money in and she is drawing it out and spending it, so I stopped putting money in but now my wife is using the overdraft facility and running up bank charges tell the bank that you are going through a divorce and that you want a stop placed on the account so neither of you can use it.

My bank have refused to let me close the account without her permission but she won't agree to this.

Are they right to do this? unfortunately both parties have to agree to the removal or closure of an account. However see above. Maybe call Nationwide tonight and get the stop on the account straight away. If so what is my best step from here

Quick replies much appreciated

You could get the charges back or ask that as part of the divorce settlement that she is responsible for the account being brought back into credit and that it is closed, ie written document signed by both you and the wife.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Why dont take out the rest of the money up to od limit, that will block the account and from the money you have taken out just pay the interest, to keep the back happy and then when solicitor or you have blocked it officialy pay the money back in.

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Yes with a letter to the bank stating that the issues on the OP. The OP can do so as well.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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