Hi, I'd really appreciate some advice. Years ago me and my partner at the time opened a joint account. Later we split up, he was verbally abusive and it was not amicable. Since then I have tried on a number of occasions to get either my name or his taken off the joint account which neither of us use. He refuses to sign the form and I have no address for him so I have not been able to break free of this financial connection. The bank (nationwide if that helps) says there is nothing they can do. Does anyone have any idea as to how I can get this account closed or my name taken off?
When I split with exh I went to the bank (Barclays) and told them I did not know where he was and has no address and could I close our joint account, there was next to nothing in it, I had to fill in some forms but otherwise was very straightforward.
If you are in dispute/separated and the bank hears about it they are meant to freeze the account. If there is nothing in it they should be able to just close it (and will usually do so automatically if it isn't accessed for a certain period of time) Can you not just empty it, have it frozen and then let them close it?
Is the account overdrawn? If not, you should be able to close it as long as it's a standard current account opened on an either-to-sign basis. Have you asked N'wide to show you which part of the T&Cs says you can't?
If the account is overdrawn, you'd normally have to bring it back to a nil balance before closing it.
I'd suggest escalating to the Financial Ombudsman if N'wide can't resolve this for you.
I've remembered that I closed my joint account with my ex, by myself. It was at Lloyds. It had 0p in it and no standing orders or direct debits set up. I just went to the bank and said "I want to close this account please".