<human>: My ex and I have been broken up for nearly three years but we still kept our joint bank account and phone numbers. The account has his car insurance and payments deducted from it on a monthly basis. I have recently changed my phone company and switched numbers. 
  

Last year he went out of the country for a couple of months and asked me to help him cover for the payments, and that he'd pay me back within a few days. I ended up paying for four months of car stuffs and phone bills. Since then he repeatedly ignores my messages and kept giving excuses for why he can't return the money. It's been five months. He recently contacted me saying that he will return it soon and that he wants to meet with me and spend the night together. I declined saying that I don't want that sort of relationship. 

  
Yesterday I saw that the account had funds transferred in our joint, and I withdrew his owed amount to my personal account. He later found out and withdrew the rest. I then immediately went to close the account. He's been contacting me saying that the bank has gave him all my information and he is going to take legal action against me. He gave me his new phone number and told me to call him to work this out. Apparently his parents are going to give him more money soon and right now he needs to pay bills. I have not responded at all. If it matters the bank is TD Canada.

I know that keeping ties is not a good thing and I want to end it completely. Our relationship was emotionally abusive and very devastating for the both of us. I wanted to stay in touch in the beginning for the sake of having a friend and later because he owed me money. Now that I've severed all ties I definitely don't want this person back in my life. I realized how toxic our relationship is. The fact that he has always wanted to get back with me has caused him resentment.

Can you summarize the given text in a few sentences?
<bot>: Ex owes me money. I took it back from our joint bank account and closed it. He is now threatening legal action.