Dear Zanny,
I saw in your post that your funds were mainly located on your spouse's account. Looks like I am also in the same situation! Please could you advise something to solve my issues?
The matter is this. All our savings are on spouse's account, and the bank refuses to make a joint account for us (they do not have such policy in my country). The only thing they have suggested is to make an authorization letter from her to me, giving me the full rights to use the funds. However, now we are very suspicious whether it will work this way. Will this be sufficient, or may be we'd rather transfer the money to my account? Meanwhile, I had an account at the same bank few years ago, later it was closed, but they told if I wish to create a new account, they will reopen the old one, however there won't be any history in the 6-months back statements. So, Please advise something, seems you are the only member here who has been in the same boat... :-X
P.s. the statement of spouse's account shows that money have been transferred to her from her parents as 'fin.support'. Is there anything to do with that? In case if they consider that there is not enough information, will they require further evident documents, or this is direct refusal?