Failed credit check!!!! For joint account

[Ihavenobrain]

Really wanted to go on my dh account so we can save money but was declined.
Dh won't save. He's crap!
Feel like we r not going to get away abroad (never been before) now!!

Can't you just open a saving account?

He wouldn't move anything into it

Why not?

Why did you fail ?

Get him to set up a standing order for a fixed amount each month into a savings account.
If you get a joint account you run the risk of him not being able to save your money as well as his!

Credit check for you being ok his account?? Who failed and why?

Dh won't save. He's crap

Yet it is you who has failed the credit check

Hindsight is a wonderful thing but you were advised on your other thread that your poor credit history could drag your DH's down and it now might well have done.

You can save money together without a joint account although, if your finances are causing big enough problems to result in a current account application being declined -perhaps a holiday abroad might not be a priority.

I know. I have terrible credit history.
I am able to save if given the chance.
I only earn £550 per mth and I get food with that.
Iv rcvd a bonus at work (new scheme) for the last 2 months and have managed to save £130 from 2 pay days so far.
Dh has a bank account that he's had for years but he has bad credit too.
He can't save money.
If he goes anywhere he has to spend something. Either lunch , coffee or toys for kids!
He buys lunch and refuses to have a pack up.
My bad credit is from years ago.
I have changed but it's now biting me firmly on my behind.

The credit check was just carried out on myself and the guy in the bank said it won't effect dh. Thank goodness

Also we don't have any loans or credit cards, store cards. Only a mortgage which has never defaulted.
We also have car finance which is s priority too

I'm not sure how having you included on a joint account would make any difference to your dh's inability and unwillingness to save . Surely your savings would just get eaten away by his spending. He clearly doesn't want the holiday as much as you. btw Car finance is just a loan dressed up in different packaging.

Yes agreed re the car but just wanted say what we have.
Iv just signed up with experian and my scoring is good!
Weird!

I don't get how you will save money by making your DH's account a joint one. Suggest that he makes a standing order every month into a savings account and you do the same.

Because I can then take a bit more control and no how much money we really get and all his/our outgoings so that I can then point out how much we will be able to save if he cuts back a little. I'm aware of how much all the bills are but not aware of how much he spends daily on "stuff/rubbish/junk"
I don't want complete control as in telling him what he can and can't spend.
I'd rather gently encourage us both to have more self control.
I don't want him to feel like he can't even have a treat now and again.

He's just suggested I have his bank card and take control of all the bills etc so that will help us

But you could do all that just by reviewing the statements and making a budget. He needs the willpower to stick to it not abdicate all responsibility If you use his bank card you put yourselves at risk if anyone hacks the account as he will have shared pin no. Can you open a joint account elsewhere if that is important to you?