I am having problem getting a new bank account before I declare BR. The reason is partly because I am not on a electoral role-altough I did try to rectify this some years ago but received a letter declining as I am not British..!? I kept the letter.So the Coop said 'no' to an account. 'Think banking'will probably be ok but I need to get my drivers licence up to date with my new address before they actually open the account....so at the moment I am abit stuck with my RBS current account.
My question and worry is: RBS and Mint are part of my creditors and does anyone know at what stage they have the authority to start taking money directly out of my account?? I have had a couple of those ' we will have no choice but to send someone to your home' letters...but again they dont know my ned address. My account has been functioning as normal but I am REALY starting to worry as I face another month with my salary being paid into this account end Sept. Last month I went straight to the bank and took out all the money the same morning my wages was paid in.
Would anyone know when a creditor starts to look into of-setting money from an account?? Anyone been in this scenario?
I have been with RBS over 5 years and during this time been a 'good' client/managing the account well. During those years I was also with a DMP plan and as mentioned two of my creditors are RBS and MINT.
As I havent paid my DMP plan since end April to save for BR help and BR...I just wondered how long until they start looking into this type of action?
I used to have an account with Halifax into which was paid my child benefit.
Shortly after I got into financial difficulties, I went in to close the account and draw out that months benefit plus any other money in there. In total it was about £35.
Imagine my embarrasment when I was told there was no money in the account as it had been taken to offset against my loan. £35 to take off a loan which still stood at about £20,000!
Crazy! But it does show that they can, and will, take any money you have in the account.
authority to take money out of a account...
Posted - 04 September 2009 : 09:09:04
