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  • FIRST POST
    dougens
    Moorcroft accessed my ISA and took payment without permission.
    • #1
    • 4th Dec 12, 9:24 PM
    Moorcroft accessed my ISA and took payment without permission. 4th Dec 12 at 9:24 PM
    Hi there

    My girlfriend has just accessed her ISA (RBOS) and seen that 2200 has been taken from her account without permission.

    Moorcroft debt recovery bought the debt from her credit card company and she contacted them two weeks ago stating that she had some money to pay them off but not the full amount (4600)
    She offered to pay them 1500 as long as the debt was fully cancelled.

    She had 3100 in her ISA but needed the remainder to live on.

    As far as I'm aware from looking online this is illegal.
    Surely no one can authorise a payment from your account apart from the account owner.

    What can she do about this?

    Most info I got is from here:

    http://www.money.co.uk/article/1009019-can-debt-collectors-take-money-from-your-bank-account.htm

    So once the debt is bought and no longer owned by the bank they have to actually take you to court prior to accessing your account without your permission.

    The two issues are:

    Why did the bank give the authorisation?
    How can Moorcroft take money without my permission?

    Also, is the debt fully wiped now?

    Please any help greatly appreciated.

    Thanks
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