DH put £5,000 into my ISA, I didn't know we had £5k in savings!

[Justeat]

Title says it all, dh told me last nite, it's locked away for 5 years,
I asked him if we could've used it to reduce mortgage payments.
Dh didn't discuss this with me at all.
Other issues going on as well.
After last nite, I want to hand him separation papers, in an effort to get him to counselling with me to discuss financial and other matters, or we separate.
2 dcs, one baby and one under 8.

RRR as you will know from PP's comments this isn't the only thread the OP has going about the financial situation in her marriage.

Oh, I didn't see that!

In many mortgages there are high penalties for overpaying or paying down part of your mortgage that would make putting 5k towards it pointless.

I agree twattergy, but we could use £5k towards other things, the point is I didn't know we had £5k to save, it wasn't in our joint account.
Yes, he may be putting money in my name to pacify me, but it makes me angrier!

Its the money he usually transfers over!
We r leading 2 separate lives.

So, initially he said he had put 5k into an ISA in your name, then he said he transferred it into the joint account, then it's the normal amount he usually does transfer?

It looks like he lied the first time to keep you quiet and now has had to back track.

How do you keep up with the joint account? How do you get money from there?

Cashcard.

get up early and grab the post for the next week or two.

he is telling you rubbish - you can get money out, is just you won't get the promised financial returns

I'd rather go to the bank, set up my own internet/phone access and find out the account the money was coming from, and set up my own savings account.

Does he check the outgoings of the joint account? His reaction would be very telling.

Do you know all the outgoings from that account? Are 5k spent every month? On what?

Massive argument 2day, he's packed a suitcase ang stormed off.
I'm ok, dc v v upset.
Dc wanted 2 talk 2 him, his phone is off.

:(
What was it about?

Do you have enough food at home?

I'd check the bank account as soon as possible and withdraw as much as possible.

Hi lweji.
I have food at home.
I tried to discuss things with him and he got v angry.

What next?

Lock down the joint account before he cleans it out!

Try to call the bank just in case, although these days you need passcodes.
He may not think you will do it, so on Monday go to the bank first thing, open your own account transfer money there. Plus, set up internet and phone banking for the joint account.

Call WA for practical support. If he really is gone and, very likely, has cut you financially, you will need to set up benefits. You can get emergency funds, if necessary. WA and CAB should help. And talk to a solicitor to ask about your rights.
You should then ask asap for child maintenance at least.

A solicitor may be able to sort out locking his personal accounts, rather. So that he doesn't bleed them.
But you should act fast and not let him be aware of your intentions.

Do not let him come back. You've had 3 threads worth of people telling you to get out and he has now done you a huge fucking favour.

Call WA tomorrow. Get to the bank first thing Monday.

How can one person close down a joint account?
Wouldn't we both need to sign?

Wot do I tell dc in morning that dad isn't back?
Thinking of driving her round to his various relatives to find him 4 her, at least to show them how upset she is.

I don't think I want him back!
BIL thinks im a troublemaker cos I want to know my dh salary!
No help from inlaws.

Do not get emotional. You say daddy's out at the moment. You can explain when you know what's going on.

He's controlling and abusing you. You can get out of this but you need to remain emotionless with him.

I feel emotionless with him.
Dc witnessed his anger.
She has written a note to her daddy asking him to come back.

How old is she?

I think at this point you must tell her that dad is cooling down and will come back to see her when he is feeling calmer. Try to reassure her that she was in no way to blame for him leaving. She may have got that impression and that may be why she is upset now.

As for the joint account, you can't close it, but any of you can take money out of it. Or ask the bank to freeze it, so that neither can withdraw, but direct debits are still paid.