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    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
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    • not interested in silly letter   the CCa return please   dx  
    • This is interesting as I was not aware that there was a difference in the PPI claims/calculations.    Long story: I asked for this PPI reclaim over 5 years ago.  The Woolwich loan was taken out when I had a Woolwich current account.  The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan.    They had told me that I had provide proof of the loan as they could not locate it.  I did the FCA deadline search and it still was not located.    As this was the last resort, I had to go into the loft and found it by chance.  They changed the new reference number from the search and attached it to the old past reference number as the complaint was still on their system.    Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them!    Also I thought the Plevin paragraph was standard information.  So this is where the mystery lies,   I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid,   would this then be in line with your calculator?
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Halifax/bank of Scotland name removal from joint account


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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

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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

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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.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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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?

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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

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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