Well, darlings, it’s been a bit frustrating and I haven’t got an answer that I like. If anyone can advise, I’d appreciate it.
Nothing in my financial life is simple and it’s not likely to be for quite some time. For various reasons going back several decades, I have a number of accounts with several banks. There is now only one bank branch in my home town, and I have three accounts there.
The reason I have three accounts with Ll…. is that one is my everyday account, one is the one I use for china buying or selling and one is an executor’s account because I still sometimes receive cheques made out to Russell. I hope that these will dry up soon, but I’ll keep it going as you never know.
What I want is to change one account to a joint one, in my new name with Tim’s name on it too. But they say I can only have one ‘profile’ with them, so all the accounts would have to be changed to that name. That’s fine, I have no problem at all with that. But then, they said, only cheques made out to my new married name could be paid in. This is simply impossible. I will still be getting cheques and payments in my old name for ages. Tim says that, when he married before, his wife had a reasonable changeover period when she could pay in cheques in her old name, but this isn’t the case any more, it seems. I looked into a business account, but the charge for that is more than I’m willing to pay, though there is a free period initially.
It seems that the only thing I can do is to change just one bank’s accounts (in a different town, inconveniently) to Tim’s and my name. This seems absurd. But I’ve had one name for 43 years and my affairs are really quite complicated – I get a lot of payments into various accounts and I can’t possibly change them all overnight.
I came home and wanted to pay my credit card bill. I have two cards with Bcard. The reason for that is that one used to be Visa and the other MasterCard. They changed it, so now I just have two Visa cards. On one, there was a small amount but the other had over £1500 worth. So I wanted to pay that first. I logged on, clicked onto that account, then to Pay, and it took me to the £100ish worth. I went back, then on again, same thing. So I paid the small bill and tried to pay the larger one. It wouldn’t let me, though they still showed the bill. It was impossible. So I logged on to my B bank app and tried there. That showed me what I owed, but wouldn’t *yet* let me pay it via the app. I paid from my Ll… account in the end with no problem.
I don’t get it. None of this is unusual, surely? Fortunately, neither Tim nor I are agitated about which name I use, he doesn’t take offence at me not changing everything instantly and I am not too bothered either. But women do get married late in life and they need time to change things over. It used to be possible to have flexibility and now it’s just made as awkward as possible. I asked what happened if a woman wanted to keep her maiden name for professional purposes and use her married name socially, but the assistant just repeated that she would have to choose for banking purposes. But there must be lots of occasions when this falls down. As long as the correct status is accurately recorded by the bank, why does it matter? Is it the case with every bank?