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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To think DH bank should let me onto Joint Account even though I do not intedn to pay anything in?

26 replies

GobbolinoCat · 27/04/2014 16:21

DH has account, I want to join it, as sahm with little income, tick box on form to say nothing from me will be going in, will they still let me join account?

I think they should as DH already on it...

OP posts:
fivepies · 27/04/2014 16:24

Yes, but they'll check your credit score first and can decline on that basis.

SpiderNugent · 27/04/2014 16:24

Does your husband want you to

are you sensible with other peoples cash?

RemusLupinsBiggestGroupie · 27/04/2014 16:25

Dp doesn't have an income but we have a joint account. It should be fine, if your dh wants you to.

LRDtheFeministDragon · 27/04/2014 16:26

I don't follow - have you asked and they've refused?

I'd imagine it depends on the kind of account. If it's a kind where you have to pay a certain amount in per month, and you don't, I could understand it maybe. If it's an ordinary current or savings account, and you'd be eligible to have your own account, I don't see why what you earn should have anything to do with it? Confused

yegodsandlittlefishes · 27/04/2014 16:33

If it's his account and he is making it your joint account, then you just sign the forms and present the necessary documentation/ID and hey presto (eventually). Why would they refuse, unless this is not something your DH has requested (then no, you can't just opt onto his account, any more than he could opt to make your account joint).

As long as your DH can meet the terms on his income alone, it shouldn't make any difference. I don't know if being on a credit black list makes a different, but assuming you're not in that category it shouldn't matter. They are providing a service to you and you and your DH are kindly allowing them them to hold your money in their bank!

yegodsandlittlefishes · 27/04/2014 16:35

We have found it a lot easier to start off a new account in both our names than for him to start an account and then make it joint. We had to go into the bank for that, which was a pain as he works away most of the time.

Original poster
GobbolinoCat · 27/04/2014 16:48

I don't follow - have you asked and they've refused?

No I am filing in the forms and questions like this are making me worried,

Yes of course Grin he wants me on the account!

My credit according to noodle is good....

yego its First Direct so all done on phone and on line, post etc..

OP posts:
Original poster
GobbolinoCat · 27/04/2014 16:49

you and your DH are kindly allowing them them to hold your money in their bank!

True but its not going to be any extra of my money....

I just wondered if anyone had experience of this, if so I could say YES x will be going in to get it approved.

OP posts:
LRDtheFeministDragon · 27/04/2014 16:56

Well, what does the form say, exactly?

I just opened a savings account with DH a few days ago (we've had a joint current account for a while), and some of the questions were just formulaic ones they ask for the sake of it - so they asked how much my income was and I did the whole 'erm, I earn about 56 quid a month ...' and they smiled and put it down. They just like to know.

Original poster
GobbolinoCat · 27/04/2014 17:17

OK Thanks LRD, it just says how much will be paid into this account alone with details of in coming, outgoings etc.

OP posts:
LRDtheFeministDragon · 27/04/2014 17:18

It sounds just the same as mine. I can't follow why they would refuse.

mygrandchildrenrock · 27/04/2014 17:20

Gobbolino, I love your user name. We had a kitten over 30 yrs ago and the children wanted to call it Gobbolino but I wouldn't let them. We called her Sootica, who was Gobbolino's sister, instead.

Original poster
GobbolinoCat · 27/04/2014 17:26

Ah bless mygrandchildren I have just finished reading it to my DC.

lrd this is why I have asked on here to see if anyone had experience....

They may refuse me as I am not contributing to the account and paying zilch in? I dont know thats why I am asking!

OP posts:
Original poster
GobbolinoCat · 27/04/2014 17:26

If the question is so un important to them, why do they ask me what I am paying in and when and how many times and so on..

OP posts:
PortofinoRevisited · 27/04/2014 17:26

"Does your husband want you to

are you sensible with other peoples cash?"

Um that'll be family money spidernugent Hmm

yegodsandlittlefishes · 27/04/2014 17:27

Yep, even when I was earning £00.00 a month, I could get a joint account. DH made his fancypants Premier account joint and my earnings went down as about £6000 a year. I asked about it and they said it wouldn't matter if I didn't have any earnings, it's just routine (and I suppose to make sure that the single account holder isn't getting fobbed off and they have it all in writing if the joiner runs off with all the money in the account.)

Original poster
GobbolinoCat · 27/04/2014 17:28

Thanks yego, yes that makes sense...v reassuring,.....

OP posts:
LRDtheFeministDragon · 27/04/2014 17:28

Because they like having loads of data so they can market stuff to you? Because it's a standard form and if you answered 'I have millions here' they might prick up their ears (likewise if you said 'I owe millions and plan to run this account into credit pronto)?

All I'm saying is, it sounds pretty standard and I wouldn't worry while you're just filling a form in.

Original poster
GobbolinoCat · 27/04/2014 17:30

Great thanks LRD.

I am trying to avoid pitfalls now, and think of worst case scenarios. I want to save time.

People could have come on and said :" Yes I was turned down, so I put x amount every month in there and they said yes..."

OP posts:
LRDtheFeministDragon · 27/04/2014 17:30

Ok, sorry.

steff13 · 27/04/2014 17:32

I've never heard of a bank refusing you an account because you're not putting anything in it. A new account, you have to have a sum to start with, but then I don't think they care how many deposits you make after that. On an existing account, they will probably run a credit check, and add you to the account, no problem. I'm in the US, though, maybe things are different here?

MellieFitz · 27/04/2014 17:44

I used to work for high street bank. The questions about income etc are basically do that they can try and sell you things in the future based on what you've old them.

They need your full name, last 3 years addresses and date of birth so they can do a credit check on you. As long as that's okay and your dh has consented to his account being joint you'll be fine Smile

just remember to if there is an overdrawn balance on the account at any time and you happen to separate then you are liable to pay half of the debt. Of course that works the other way too if you split up and the account is in credit!

LookingThroughTheFog · 27/04/2014 17:45

A new account, you have to have a sum to start with, but then I don't think they care how many deposits you make after that.

Not always. I got a basic account with Lloyds when I needed an account separate to my husband's (we worked it out, but I've kept the account so that I can put money aside for fun luxuries like school uniform bits and replacement swimming costumes).

There was no deposit; just a credit check initially. I did tell them that at some point my salary would be going in there, but they weren't that bothered either way, and like I say, DH and I worked stuff out so it never happened. They've never chased me up on this, and the account has had a maximum of £50 per year going in.

Original poster
GobbolinoCat · 27/04/2014 18:02

Thanks people feel much more reassured from this straw poll.

If it was me I wouldn't want a partner going on account though with no incoming yet getting all the benefits, so I can understand sort of it bank said no, although of course, they should say yes.

Forms done, at long last, will wait and see!

OP posts:
Retropear · 27/04/2014 18:18

We've had a joint account since we were 22. At one point dp wasn't paying in,now I'm not so Spider can sod off with her rather nasty dig.

Do families on MN just not exist anymore?Hmm

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