Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi all, just need a bit of advice.
Recently my partner paid a £1000 check into her Barclays current account, and today it appears that barclaycard have deducted £532 of it without any authorisation from my partner, now this is the amount she was apparently owing to barclaycard but can they just take the money without authorisation, the reason being the money was mine and not her's. As far as i was aware only the courts can order the moving of monies from an account without authorisation or have i been watching too many gangster movies??
Under the rule of offset, they can retrieve monies from one account to recover "owing" monies on another. And since the money was in her account, you will have a hard time proving it was yours, I'm afraid.
Apologies to people who I was in the process of helping, I may be gone some time.
The same thing happened to me in 2001. Barclaycard took £850 from my Barclays current account, leaving me with about £100 to pay bills etc. I complained to the bank, the Ombudsman and my MP but nothing came of it. The rules of ' offset ' are stacked against you.
Well that is shocking it should be illegal. I would close my account.
And go where? Every financial institution will carry the same terms, I guarantee you. The only way to avoid this is to keep all your accounts with different companies: credit card with one, bank with another, mortgage with yet another, savings accounts, etc...
Apologies to people who I was in the process of helping, I may be gone some time.
Unauthorised Withdrawal
current account, and today it appears that barclaycard have deducted £532 of it without any authorisation from my partner, now this is the amount she was apparently owing to barclaycard but can they just take the money without authorisation, the reason being the money was mine and not her's. As far as i was aware only the courts can order the moving of monies from an account without authorisation or have i been watching too many gangster movies??
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Re: Unauthorised Withdrawal
Originally Posted by sowerby17
