Sorry Pink nothing really to add over what Jim & Gg said, I'm still running on our joint account at the mo but in my case its connected to waiting for the bank to get a high enough od sorted out on an account in my name before I tx everything over.
Hang in there (((Pink)))
M:44, W:46, S:10 M 13 years, T 15 BD:23/7/2014 W/S Moved to MIL: 23/7/2014 My new place: 21/11/2014 W/S back to flat 22/11/2014 W coming closer, talking 4/2015 Piecing 5/2015 Moving in again 6/2015