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Original poster

Can removing my name off a joint bank account affect my divorce?

17 replies

beesfeet · 30/01/2022 11:01

And if so how?

I've downloaded and saved 1 years bank statements.

I've been to the bank and signed a form to remove my name. He needs to do the same but he won't so I need to go in and tell the bank to freeze the account until he does.

There is nothing finically linked to me with that bank anymore. It's all his money and bills.

He just won't sign the form to remove my name which means I can see everything he's doing and everything his buying for his new girlfriend victim.

I am starting divorce proceedings hopefully next week and I just need to know if there is any financial implications if I remove my name?

OP posts:
dementedpixie · 30/01/2022 11:03

Is there much in the account? You could actually legally close the account with just your signature. That would spur him to communicate with you!

Original poster
beesfeet · 30/01/2022 11:05

@dementedpixie

Is there much in the account? You could actually legally close the account with just your signature. That would spur him to communicate with you!
There's 10k in it but half of that is his tax money which he hasn't paid 🙄

I have the police involved so he can't contact me but he has been asked a number of times to go in and freeze the account but he just won't do it

OP posts:
BigYellowHat · 30/01/2022 11:07

@dementedpixie

Is there much in the account? You could actually legally close the account with just your signature. That would spur him to communicate with you!
Which bank is that? When I had a join account with my ex-husband that he refused to sign to close, I had to forge his signature so that they would proceed with the closure after he held it up for over a year. Blush
glassofbubbles25 · 30/01/2022 11:09

The bank should put a freeze on the account on just your say so if you explain the situation

Otherwise he could rack up a load of debt you’d be jointly liable for

PlungingEast · 30/01/2022 11:11

@glassofbubbles25

The bank should put a freeze on the account on just your say so if you explain the situation

Otherwise he could rack up a load of debt you’d be jointly liable for

This!
Original poster
beesfeet · 30/01/2022 11:14

@glassofbubbles25

The bank should put a freeze on the account on just your say so if you explain the situation

Otherwise he could rack up a load of debt you’d be jointly liable for

Exactly what I thought. I can see what he's spending and hes not being sensible. I don't want that to have consequences on me for that.

I just had someone advise me not to take my name off for a financial affect on divorce. I've downloaded the last years bank statements so I have proof of things if I need them.

I just cannot stand to see him spending on his new gf anymore. It's not fair, he's only doing it to get at me

OP posts:
Finallygotme · 30/01/2022 11:15

Take out 5k, I'd imagine that would focus his mind.

Original poster
beesfeet · 30/01/2022 11:16

@BigYellowHat oh gosh how awful.

I'm with hsbc. They already told me they would freeze it but i said no, I'd try get him to come in and sign. He has his tax bill to pay and I didn't think it was fair.

Since then I've got the police involved and I couldn't care less!

OP posts:
Original poster
beesfeet · 30/01/2022 11:16

@Finallygotme

Take out 5k, I'd imagine that would focus his mind.
Nothing I'd love more!
OP posts:
Dacquoise · 30/01/2022 11:22

Your divorce proceedings could take a lot longer than you think. It took over two years to get to final hearings for me regarding financial settlement and that was pre pandemic. The statements could be out of date by then so probably a good idea for you to sort this out now so that any liability is on him when your settlement is sorted. You have proof to the point of taking your name off. Also courts can order disclosure beyond the year if an issue arises that needs proof.

Thirtytimesround · 30/01/2022 11:26

Tell the bank to freeze the account. This is exactly what it’s for. It isn’t frozen forever just until he stops being a dick and comes in to sort it out

Original poster
beesfeet · 30/01/2022 11:28

@Dacquoise

Your divorce proceedings could take a lot longer than you think. It took over two years to get to final hearings for me regarding financial settlement and that was pre pandemic. The statements could be out of date by then so probably a good idea for you to sort this out now so that any liability is on him when your settlement is sorted. You have proof to the point of taking your name off. Also courts can order disclosure beyond the year if an issue arises that needs proof.
Oh I'm prepared for it to be a slow and painful process as he won't do anything in a hurry.

We don't have much to sort financially, we split the savings equally, no mortgages etc. I'm hoping it won't get too complicated

OP posts:
Original poster
beesfeet · 30/01/2022 11:29

@Thirtytimesround

Tell the bank to freeze the account. This is exactly what it’s for. It isn’t frozen forever just until he stops being a dick and comes in to sort it out
Thanks for that. That's exactly what I intended to do. It's not fair for me to still be on it!
OP posts:
JoyOrbison · 30/01/2022 11:36

HSBC didnt use to convert joint aaccounts to sole unless one party is deceased.

You can still, iirc, be liable for debts linked to tje accpunt poss up to. 6 years after ypu remove your name.

Really you need to close it, does the otbrr party have a solr account you could transfer the £10k to so the balance is nil and close? If not you need to get the accou t frozrn to prevent and activity from tje other party that miggt impact you.

Original poster
beesfeet · 30/01/2022 11:39

@JoyOrbison

HSBC didnt use to convert joint aaccounts to sole unless one party is deceased.

You can still, iirc, be liable for debts linked to tje accpunt poss up to. 6 years after ypu remove your name.

Really you need to close it, does the otbrr party have a solr account you could transfer the £10k to so the balance is nil and close? If not you need to get the accou t frozrn to prevent and activity from tje other party that miggt impact you.

The 10k isn't mine, it's his so it's nothing to do with me. I've got my own account and there is nothing left in that joint account that is to do with me.

Hsbc have told me they will remove me, he just needs to sign a form which he refuses to do so I have no option but to freeze the account

OP posts:
JoyOrbison · 30/01/2022 12:08

Hi op, if unclear I mean do you know if tje joint party has their own sole acciunt you could send / transfer his money to, so you have just done the task for him, tjen it empties the account ready to close?

Might be worth asking HSBC will ypu be liable anyway if the account stays open and your name is removed

Original poster
beesfeet · 30/01/2022 12:14

@JoyOrbison

Hi op, if unclear I mean do you know if tje joint party has their own sole acciunt you could send / transfer his money to, so you have just done the task for him, tjen it empties the account ready to close?

Might be worth asking HSBC will ypu be liable anyway if the account stays open and your name is removed

The account needs to be frozen until he comes in to sign the form to remove my name. I've told him countless times he needs to open a new account. I have no idea how it will affect him but that's not my problem
OP posts:
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