J
jackstack
Guest
Hi,
First time posting so feel free switch if I aint in the right place.
My wife is in hospital at the moment and will be for another 5-6 weeks. Her basic salary was being paid and topped up by social welfare. The basic salary has now ceased and will not recommence until she returns to work. She has an overdraft (1000) that BOI no want to clear. Since she did not respond (Her post was coming to our house, not the hospital), they sent me a letter as we have a separate joint account (which is in credit) demanding that we shut it within 21 days? When I rang to discuss this and to clarify my situation, I was told that these were standard letters and that it was as a result of my wifes overdraft. It turns out a repayment on a personal loan was returned from her account and her loan was now €88 in arrears. I explained my situation to the branch and they basically told me that they cannot discuss my wifes account and that unless I cleared her account up that they would proceed with terminating my account?
I am not in a position to fork out nearly €1100 however when my wife gets back to work in 3/4 months time, normal service will resume.
Can anyone offer any advice to me?
I am meeting with the branch in the morning. Could a signed letter from my wife (disclaimer for the bank if you like) give the bank the right to talk to me about her finances?
My wife hasn't been keeping anything from me here! I knew about the overdraft and the loan but didn't know the overdraft expiry date etc
First time posting so feel free switch if I aint in the right place.
My wife is in hospital at the moment and will be for another 5-6 weeks. Her basic salary was being paid and topped up by social welfare. The basic salary has now ceased and will not recommence until she returns to work. She has an overdraft (1000) that BOI no want to clear. Since she did not respond (Her post was coming to our house, not the hospital), they sent me a letter as we have a separate joint account (which is in credit) demanding that we shut it within 21 days? When I rang to discuss this and to clarify my situation, I was told that these were standard letters and that it was as a result of my wifes overdraft. It turns out a repayment on a personal loan was returned from her account and her loan was now €88 in arrears. I explained my situation to the branch and they basically told me that they cannot discuss my wifes account and that unless I cleared her account up that they would proceed with terminating my account?
I am not in a position to fork out nearly €1100 however when my wife gets back to work in 3/4 months time, normal service will resume.
Can anyone offer any advice to me?
I am meeting with the branch in the morning. Could a signed letter from my wife (disclaimer for the bank if you like) give the bank the right to talk to me about her finances?
My wife hasn't been keeping anything from me here! I knew about the overdraft and the loan but didn't know the overdraft expiry date etc