Nic, My H and I NEVER had a joint account. Initially it was b/c I was paid monthly into the bank and H was paid weekly cash in hand. So my money paid the monthly bills and his paid the housekeeping etc. When things changed and we both got paid monthly into the back to set up a joint account would've meant changing all our diect debits etc. Too much of a nightmare. Although I never realised it at the time part of my deep down was protecting myself even then. I had heard many anectdotal reports where a H had gone into the bank, closed or frozen the joint account (on his say so only), gone home told his W he was leaving (or simply left a note) and she was without money of any description despite the fact that her wages were still going into the account. That may well be donw to good old British bureacracy I don't know but it sure as hell makes you think!
If you don't want to go down the legalroute yet is there a middle ground. Could you not have your salary paid into a separate account so that you at least know you have some money if you need it? Or maybe you could open a 'rainy day' account putting a little in each time you can afford to do so.
Whatever you do I agree with everyone else you do have to tackle this sitch with your H.
Me 43 XH 45 M 2.7.88 Divorce 7.10.09 Kids D20,S17 & D15
