JOINT FINANCES & BANK ACCOUNTS + Correspondence in joint names

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JOINT FINANCES & BANK ACCOUNTS + Correspondence in joint names


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Old 04-16-2014, 10:48 PM
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JOINT FINANCES & BANK ACCOUNTS + Correspondence in joint names

Hi All,

Just asking whether everyone has joint bank accounts?

I live with my partner. We are very much a couple. My partner has no assets and has a low paying job (can only work 20 hrs a week in a cafe who typically dont pay award wages to OS students).

I own my house, have money in the bank. So naturally I pay almost all the bills. And setting up a joint account to pay mutual bills when I have to put in almost all the money seems administratively ridiculous. The immigration agent says we definitely should setup mutual bank accounts.

Substance over form - do I really need to do this? We are a genuine defacto couple living together, where one has lots of money and the other has no money.

Other question is the immigration officer says to get all corro in joint names. Who does this??? Its not 1950s Australia. Who even gets mail these days other than bills. Any suggestions what lists I can join to get junk mail in both names?

I cant believe this process. I guess the Govt has to make it hard to ensure people dont have sham relationships but for us genuine couples, this seems quite ridiculous.

Any advice would be fab.


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Old 04-16-2014, 11:33 PM
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The thing is you need evidence. If you do not have bank statements showing the bills are being paid by you both how will they believe you are in a legitimate relationship? in the beginning we were naive and applied too early (we even had a MARA immigration agent helping us) and we did have a joint account and one statement and were still rejected. Have you read through the forum? If so you see just how much evidence you need to submit.

Getting bills in joint names is not absolutely necessary but it helps with painting a picture of the real situation. Even if your partners income is small it will still show they are committed to the relationship. Better than signing up for bogus junk mail unless its for a joint interest/activities that you can also use as evidence it would be fairly useless I would think.

Keep evelopes and correspondence addressed to you both such as invitations, greeting cards, letters from your partners family, club or association correspondence everything you can think of it will all help. If you have other compelling evidence like medical bills, holidays expenses, loans, insurance, superannuation in joint names it will all help. You don't want to risk rejection lose your near $5000 application fee and have to suffer further stress, 18months+ further waiting and expense of going to MRT like us? Goodluck to you both.

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Old 04-16-2014, 11:50 PM
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Thats great counsel.

Thank you.


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Old 04-16-2014, 11:51 PM
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You're welcome

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Old 04-17-2014, 12:55 AM
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What about a joint paypal account? Alot of places are now letting you pay by paypal these days, so you can use the joint paypal account but link it to your credit card.

I fully understand with the house thing too because you can't have him on: rates, water or home loan because he is not on the title of the house.

You can also have a joint account but just put a little bit in and his pay goes into it too and you just pay for groceries with it. Then you can explain on a stat dec about how you take care of him financially etc.

There is also updating both your super to have each other as beneficiaries, that will help too


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Old 04-17-2014, 07:07 AM
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My partner and I don't have joint bank account as he still hasn't finalised the $$$ with his ex. We also live with his mother so all bills are in her name and as a result have no lease agreement either!! Watch this space to see if it causes us any issue!! I agree that it's not the 1950's anymore!! Many genuine couples maintain financial independence now!! Hell some celebrity married couples live in different houses!!!!

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Old 04-17-2014, 08:32 AM
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Does anyone know how to set up a joint PayPal account. I have not been able to find out from the PayPal website. Thanks.

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Old 04-17-2014, 09:06 AM
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I also never had a joint bank account with my ex husband for very different reasons lol but yeah the having joint accounts may not suit every couple. I feel that we should be also doing things that we as a couple wouldn't ordinarily do such as join clubs together. We are not your RSL-going type people nor are part of say a church community. While we have the financial aspect well covered with evidence I dont really know how to address the social aspect we dont have a lot of friends and don't spend an awful lot of time with extended family... so we thought about joining some social club but to me it just feels stupid just to cover that part of he evidence...

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Old 04-17-2014, 09:07 AM
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Quote:
Originally Posted by Dinkum View Post
Does anyone know how to set up a joint PayPal account. I have not been able to find out from the PayPal website. Thanks.
You just put both your first names in the name field that is all we did. Not sure if you can do 2 surnames tough. We get married next week so just used the one surname. Then we just linked it to my credit card.


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Old 04-17-2014, 09:10 AM
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Originally Posted by rani View Post
I also never had a joint bank account with my ex husband for very different reasons lol but yeah the having joint accounts may not suit every couple. I feel that we should be also doing things that we as a couple wouldn't ordinarily do such as join clubs together. We are not your RSL-going type people nor are part of say a church community. While we have the financial aspect well covered with evidence I dont really know how to address the social aspect we dont have a lot of friends and don't spend an awful lot of time with extended family... so we thought about joining some social club but to me it just feels stupid just to cover that part of he evidence...
I understand the joint bank account. Never had one with my ex either.

With social stuff why not write a statement about how you don't socialise alot and how you prefer to do xyz. Do you go to the gym or movies or footy? You can use those things.


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