Help Needed bank playing dirty

[flam147]

I have 2 basic bank accounts with a bank and i am on benifets.

i dont want to go into details of which bank at this stage.

1 account is overdrawn (100%) charges, the bank has now stoped access to these accounts other is in credit.

i cannot access a balance at a till. the automated telephone service just says nil. these accounts are not showing on online banking.i had small amount in which i needed over a weekend but i was not allowed access to unless i made an arrangement to pay the other amount.

i have now been charged unpaid item fee for direct debit that i could not put money in to cover, so that account is overdrawn now.

it is my understanding that this could be classed as blackmail, and if so no terms or condition in any contract is allowed to break the law.

any help would be very helpful.

[yourbank]

The bank is owed money(as they see it) and so they have every right to stop the account to get an arrangement in place, nothing should have stopped you from paying money into an account though, so not quite sure how that stacks up...since branches should be able to take money with account number and sort code.

[flam147]

The bank is owed money(as they see it) and so they have every right to stop the account to get an arrangement in place, nothing should have stopped you from paying money into an account though, so not quite sure how that stacks up...since branches should be able to take money with account number and sort code.

yes but they did not tell me that they were doing this and it breaks debt collection guidelines whilst in dispute.

i will not let you have your money unless you arrange to pay the money you owe me is blackmail so no terms and conditions in contract can break the law

[flam147]

a bank is not allowed to take money from another account to pay a DD and a basic bank account is unsecured so they cannot tie up another bank account to act as security

[flam147]

it is with the rights of banks not to want to do bussiness with you but they would ned a court order to sieze my assets

[Lula]

yes they can, it is in the terms and conditions under the rights of offset, yiu would be advised to have another account and transfer all payments in and out over to there.

[yourbank]

a bank is not allowed to take money from another account to pay a DD and a basic bank account is unsecured so they cannot tie up another bank account to act as security

 

Yes they can, it's called the right of set off. If the account is with the same bank they can. If they have sent it to debt collection that is a different matter but if it is internal collections department, that is not the same as DCA collection.