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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

Bankrupt husband.

76 replies

Moneymatters18 · 15/10/2018 22:55

Sorry I did post on the money topic but I haven't had any response at all so i have posted here for traffic. I'm extremely anxious and tearful at the moment also 6 months pregnant so i really don't need harsh words or nasty comments I am already as ashamed as I can be about this I both me and dh have been in floods of tears our money situation spiralled only a couple of months ago after an accident which has left dh unable to work fully and the expense of him being in hospital. We also tried to get help but we couldn't get documents on time from his work place so they kept closing our claims and our rent costs spiralled out of control and we had to keep borrowing to keep our heads above water. I've copied the post exactly how I wrote it first. I really appricate anyone who reads this and can offer advice. I'm a regular poster but I've name changed.

Hi everyone hoping this is a safe place to talk I'm really not looking for any judgement or nasty comments just need people to talk to and ask for advice.

My husband recently filed for bankruptcy we paid the fee in full and our joint bank account was frozen with Santander... fair enough that's the usual process. All our money goes into this account and all our bills and direct debits come out of this account.

The bank account got frozen with £1073 in there a combination of husbands wages and some of the benefits we are entitled to. (Low income family) the bank account has been unfrozen but the bank has decided husband is to be removed from the account which is fine. I haven't touched a penny of the money in the account since it was frozen in September. All of a sudden the balance dropped by £500 and when I called the bank the reference for the missing 500 was simply my husband name.

The bank think they might of sent my husband a cheque for the 500 but they aren't sure. What else could they of took the money for we don't owe any money at all to Santander and never have it is a new bank account.

The withdrawal was made on 11th Oct but it wasn't to another account. Has anyone had any experience of this?

I guess what I'm asking is will we see that 500 again? We do need it to pay our rent this month as I now don't have enough money in the account to cover our rent and essential living costs.

The money wasn't part of the fee as that was paid in full by my dad off his card at the time the application was made.

The bank has also had a letter of no interest fron the official receiver and the block on the account has been removed.

OP posts:

MongerTruffle · 15/10/2018 22:57

You need to chase this up with the bank; they can't just lose £500.

PurpleWithRed · 15/10/2018 23:04

If they had sent your husband a cheque for £500 then the money would stay in your account until the cheque was paid in somewhere else and cleared. So either DH has paid a cheque for £500 into somewhere, or the bank are talking bollocks.

Either way the bank's response is completely unacceptable, especially given your very precarious circumstances. Get back to the bank and keep pressing them to check where this money has gone.

TooTrueToBeGood · 15/10/2018 23:06

Have you checked with the receiver? They would presumably have had authority over the account so it could be them that took it for one reason or another.

Kattyy · 15/10/2018 23:24

When I need cash out of the bank (bigger than my daily limit) I give my bank a cheque on my name and get the money. That would probably show on my account with a reference to me.
No idea about bankrupcy and a bit confused about your post but could he have cashed a cheque he wrote to himself?

Kattyy · 15/10/2018 23:25

Also, they must have a copy of the paperwork. We don't live in the Wild West. Make an appointment with your bank.

VanGoghsDog · 15/10/2018 23:26

Presumably you've actually asked your husband?

Disquieted1 · 15/10/2018 23:36

I hate to say this, but you need to sit your husband down and talk to him. Its possible that a mistake has been made, but it's also possible that the money has gone to another account in your husband's name.
Does he have a credit card that pays off the full amount each month? Would he withdraw the money into another account as a buffer or to stop the administrator getting it all?
I'm not hinting at a betrayal of any kind, but an oversight l.

notapizzaeater · 15/10/2018 23:44

Are his credit cArds from the same bank ?

Original poster

Moneymatters18 · 15/10/2018 23:52

Husband only has one other account which he showed me the online banking for its as if this money has vanished into thin air. He doesn't have a cheque book the money was taken during just after the block was removed but neither me or dh had access to the account because he doesn't have permission anymore to access it and never had the online banking for Santander and my bank card was damaged.

The official receiver was totally useless in this instance if we ask her any questions she gets angry with us.

I'm 100% sure dh hasn't done anything untoward. He has never had any kind of credit at all with Santander not even an overdraft.

OP posts:

maddening · 15/10/2018 23:55

Official receivers

SpoonBlender · 15/10/2018 23:57

Call up the bank and notify them of fraudulently taken money. They'll do a proper investigation then. Don't suggest possible places it can have gone, they'll be able to work it out.

AdoraBell · 16/10/2018 00:00

Go back to the bank and insist they show you how the money came out. They should be able to see if it’s a cash withdrawal, cheque, transfer etc. Be polite but persistent and refuse to accept any waffle from them. Speak to the branch manager if needed.

Bumbumtaloo · 16/10/2018 00:01

Years ago I worked for a bank, admittedly not Santander and we were able to see a copy of the cheque on our computer if it had gone through clearing. I’m assuming if it is a cheque it has gone through clearing because your account has been debited. Can you ask if they can check their systems to see if it’s possible for them to see?

TheFrendo · 16/10/2018 00:08

Is it possible your husband instructed the bank to make the payment of £500 to himself and has not told you?

Do you trust him?

tillytrotter1 · 16/10/2018 00:10

You need to chase this up with the bank; they can't just lose £500

This is Santander, impossible to over estimate their incompetence.

Original poster

Moneymatters18 · 16/10/2018 00:14

Yes I do trust my husband fully he wouldn't do anything like that knowing it would then mean we wouldn't have money to pay our bills or eat plus he wouldn't of been able to he has nowhere to cash any cheque he was removed from the account immediately the wages got paid in when the account was frozen and there's been no access from either one of us since.

I did make it clear earlier to the bank how upset I was and this whole thing was just a massive mess. They froze our bank account for 2 weeks and wouldn't even let me take child benefit to get stuff for my daughter even though child benefit gets paid in my name. Thank god for my dad!

OP posts:

TheBeastInMsRooneysRoom · 16/10/2018 00:32

I think you do need to contact the official receiver and santander again. Treat it as a fraudulent withdrawal. My suspicion is a creditor has attempted this to get back some of their debt owed but it is illegal. That might explain them using the reference of your husband's name. The OR will want to know if it is, and if not, Santander need to restore it.

Original poster

Moneymatters18 · 16/10/2018 00:44

Thanks everyone i will get back in touch with them tomorrow and find out what has happened. Just feels like everything that can go wrong is going wrong right now.

OP posts:

SaturatedFat · 16/10/2018 00:50

It may be that they've sent your DH a cheque for approximately half the balance remaining in the account.
That's Santander's standard process if one account holder is removed from an account as they're considered entitled to half the funds at the time of the removal request.
It's been a few years since I've worked in retail banking but this would have been the case then. So it may be that your DH gets a cheque in the post within a few days.
They should be able to confirm if you call them.

Adnerb95 · 16/10/2018 00:52

Also speak to CItizens Advice - they can help in these kinds of situation and will sometimes talk to the various institutions - banks, creditors, etc for you or help you draft the necessary letters.

Hope you get sorted

Holdingonbarely · 16/10/2018 00:55

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

FedoraKeys · 16/10/2018 00:56

Firstly don't be ashamed about the bankruptcy, - financial problems happen to everyone at some time in their lives.

In my experience banks don't write cheques to anyone unless you request it. They'll take direct debits and standing orders. I doubt if I would bother going into the bank, invariably the tellers aren't privilege to your information. Have your security answers ready and phone the customer services number at the back of your statement. They must know who they paid that money out to, they'll have some sort of reference to identify where it went.
Also, you say you have benefits as a low income family, but your circumstances have worsened, so make an appointment with the benefits agency alerting them to your need for additional help.
Ask them what documents you need to have with you in claiming. If the receptionist doesn't know, take along as much as possible anyway, such as rent agreement, hubbies last 6 wage slips and family allowance etc., and latest bank statement. I don't work for either the bank or benefits office, so check the details anyway.
Good luck, I hope your circumstances quickly improve.

Aquamarine1029 · 16/10/2018 00:56

Your husband is lying to you. He knows exactly what this is all stemming from. HE IS LYING TO YOU.

maras2 · 16/10/2018 01:04

So sorry that you're in this position.
I know nothing about finance but often browse Martin Lewis's Money Saving Expert.
There's a whole section on bankruptcy as well as a whole lot of lovely knowledgeable people on every aspect of finance.
Give it a go.
Best wishes.

Original poster

Moneymatters18 · 16/10/2018 01:04

Saturated yes that's what the woman I spike to first said earlier (sorry I didn't explain very well in my op) but then she went off to check with a manager came back and all of a sudden wasn't sure and was really cagey my dh even spoke to them and said he wouldn't mind them removing "his money" but the fact is just over £900 of the money was actually his wages and if they have decided to send a cheque out then surely it should of been for the full £900 which dh said was a total waste of time and designed to make life awkward because all that would happen is he would have to have the cheque cashed and then it would be doing straight back in the same bank account.

Dh has been allowed to keep his other bank account even though it hasn't been used in some time but he said he doesn't want a bank account right now and is happy for all his wages to do directly into my account so that I can pay all the bills and living costs he said if he needs anything he will come to me (dh is crap with bank cards) and rarely spends anything he takes pack up to work and due to me being pregnant (and unwell with it) rarely goes anywhere without me.

It's all such a mess at the moment I just feel like we have so much piled on top of us that we have sort of stopped still and feel too overwhelmed to move forward. I dont think it's right that we have had to go bankrupt but I did think it would feel like a bit of a weight off I couldn't of been more wrong it's been an awful process.. I guess that's the point of it though.

OP posts:

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