dartsfan123
Registered User
- Messages
- 3
Hi there,
So I am looking for advice we have a joint account and then our own personal accounts - we both got a letter for our personal accounts stating that due to an unsatisfactory relationship with the Bank with effective from 60 days they are no longer prepared to offer us banking facilities. Please arrange to close our account.
We have spoken to the banks and this is the setup:
Partners personal account has never had a return DD or missed payment
My personal account has missed DDs but paid them when requested
Joint account has missed DDs on a monthly basis but getting them paid now
We have a loan on the joint account and there is arrears of 260.00 so i can bring that back up to date by next week
Joint Mortgage is in arrears at present but there is an agreement in place to pay extra on the monthly payments for the next 10 months. These payments are scheduled to come out on the 4th of the month but they don't actually get paid till later on in the month.
The bank said that we cannot miss any more DD or missed payments.
So my questions are;
If we bring the loan arrears up to date and go through all our DD and ensure that they are paid on time will this solve the bank wishing to close our account.
Is my partner only getting this letter because he is on the joint account
What should i do about the date of the mortgage coming out. If i change the date there is no way i can pay two payments in one month at the minute.
I hope i have posted this in the right forum
Thanks a million
So I am looking for advice we have a joint account and then our own personal accounts - we both got a letter for our personal accounts stating that due to an unsatisfactory relationship with the Bank with effective from 60 days they are no longer prepared to offer us banking facilities. Please arrange to close our account.
We have spoken to the banks and this is the setup:
Partners personal account has never had a return DD or missed payment
My personal account has missed DDs but paid them when requested
Joint account has missed DDs on a monthly basis but getting them paid now
We have a loan on the joint account and there is arrears of 260.00 so i can bring that back up to date by next week
Joint Mortgage is in arrears at present but there is an agreement in place to pay extra on the monthly payments for the next 10 months. These payments are scheduled to come out on the 4th of the month but they don't actually get paid till later on in the month.
The bank said that we cannot miss any more DD or missed payments.
So my questions are;
If we bring the loan arrears up to date and go through all our DD and ensure that they are paid on time will this solve the bank wishing to close our account.
Is my partner only getting this letter because he is on the joint account
What should i do about the date of the mortgage coming out. If i change the date there is no way i can pay two payments in one month at the minute.
I hope i have posted this in the right forum
Thanks a million