This is really a strange one, I have a WDA account and so does my OH - their account is fine and is paying over and above each month to reduce the balance and no in default. My account is a different story and in default. Last month OH's bank rang to say that WDA had tried to take out over £200 on their debit card and obviously was refused. A couple of days later they paid on their account using their debit card.

What I have found out is that WDA are trying to take money from their bank account for my account. Are they really allowed to do this. I can again state that their account is not in default whatsoever and is paying the interest every month together with a little bit of the capital to bring the balance down.

Would people say this is fraud and are they allowed to take someone else's money to pay for my account.

Not allowed at all. Its bordering on theft imo.

Your bank did the righr thing and you now need to get full conplaibts rolling

Thanks, I did think that but guess what WDA say that as we are financially connected ie married if OH had defaulted they could dip into my bank account. I have told them to send me this in writing and will then take the matter further.

WDA are 100% and totally wrong. If the loan was taken out in your name only, they can only take money out of an account that you gave them details for. Anything else is theft and needs to be reported. I would be tempted to call them and ask again, but record the gall. They wont put it in writing. They never do.

| was in the bank at the time and made the phone call, I have a witness at the bank who clearly heard the conversation as it was on loud speaker. The bank girl even spoke to them and said that if they could produce anything that showed that I had given my OHs debit card details to them the bank would be quite happy to take the matter up with them. I have never given my OHs debit card details to them.

The bank say that WDA tried to take over £200 from OH's account. I am so pleased they did not have the money in their account. I know that this relates to my account as OH's account is not in default and they only owe £160 including interest.

Their words as you both live at the same address and are financially associated it would be common practice for either of you to take responsibility for the other's account.

It is all very strange as before now WDA only took payment by direct debit and never ever attempted to take payment by debit card.

Their words as you both live at the same address and are financially associated it would be common practice for either of you to take responsibility for the other's account.

You must report that to the regulators. They have no right whatsoever to say that.