Joint Account

[LLou]

Hi

 

I have just received my bank statements from Lloyds TSB and realised that this relates to a joint account I held with an ex-boyf. Can I still claim on my own or do I need to get him in on it as a joint claimant? I spoke to Lloyds and they said that the account required two signatures for things like changing address or closing the account, although at the time he had managed to put a hold on the account without my knowledge (git). The account is now closed (and has been for 3 years). If anyone has any info regarding this type of situation I'd be grateful

 

Many thanks

 

[PKea]

I have answered this in your other thread.

 

Can you stick to ONE thread then its easier for others to follow your progress and help you.

[crashbandicoot]

A couple of things Lou - firstly, are you still at the address, or do you have access to the address you held for the account?

 

Secondly, my thoughts are that you can absolutely reclaim these charges on your own, because as a joint account holder as long as you have/had equal authority over the account, you'd be able to do what you liked with it, except as they say, changing addresses etc. I've recently reclaimed from a joint account with Halifax and my husband was never involved at any stage, I didn't need his signature either.

 

My only concern is that if you successfully reclaim those charges, there could be come-back from your ex-bf on his 'share' of the money. You may have to give him half, unless you can prove you were the person who mainly handled the account back then. Just bear all this in mind, especially since he may one day want to reclaim charges from this account and realise that you've already done it and kept all the money!