We moved house earlier this year and I forgot to let Ulster Bank know. We had a joint account which was active for 3 years from 2017. I had to recall my online login details and then open up an online chat from inside the Account/View Details section. They changed the address details for me but then told me that my wife would have to let them know she had moved too. Furthermore she would have to do so by going through precisely the same laborious process as I had just done. The trouble is Mrs C does not have an online account for Ulster Bank or - if she ever did - it was used for the sole purpose of opening the account 6 years ago, so there is no way she will know any log in details.
I find it odd that Ulster Bank would see a greater security risk in allowing me to inform them of an address change for both holders of a joint account, than sending future bank statements to an address which they know to be incorrect (assuming they broadly believed me). I asked if she could call a telephone banking line but the answer was a firm "no".
Of course I cannot close the account without Mrs C having an online account (from which to close it). That probably explains why the account has been sitting with 1p in it for the last 4 years. It also means that I won't be opening up a new Ulster e-Saver despite them having a leading rate.
I find this sort of thing really frustrating and I know that Mrs C will have zero interest in trying to sort it.
