Barclays loan £12,000 with just E-signature and no ID!

kmmr

Wanda31 wrote: »

Yes I can see the log in details are key to this. I had them noted down in my diary so anyone for example a family friend or burglar could have got to them. Would the investigation have been approached differently had the person who did it not been my husband?

But to avoid this very problem Barclays require you to have the card, and put a pin into their little machine. Then put that number into the login screens. It's highly unlikely someone could know (and have) all that without you telling them.

Could you sue your husband for the money?

lovinituk

Wanda31 wrote: »

Yes I can see the log in details are key to this. I had them noted down in my diary so anyone for example a family friend or burglar could have got to them. Would the investigation have been approached differently had the person who did it not been my husband?

Probably not. Its your responsibility to protect your details and not leave them lying around for any one to see. Its no different to keeping your PIN number written down with your card.

miduck

Wanda31 wrote: »

Yes I can see the log in details are key to this. I had them noted down in my diary so anyone for example a family friend or burglar could have got to them. Would the investigation have been approached differently had the person who did it not been my husband?

They would have also needed your card and your pin number to login - how did they get these?

debtcutter

It's harsh, but in your banking T&Cs is will state that you're not allowed to give any of your online log in, PIN details etc to others and it's your responsibility to know what's going in and out of your account at all times.

CKhalvashi

Wanda31 wrote: »

No I certainly didn't give him my online banking details.

How did he get your online banking details?

I've seen something similar a few months back somewhere (think it may have been through the council), whereby it only came out there was an additional debt when someone applied for a mortgage.

As online banking details had been given, no money had been returned unfortunately.

CK

zagfles

Wanda31 wrote: »

Yes I can see the log in details are key to this. I had them noted down in my diary so anyone for example a family friend or burglar could have got to them. Would the investigation have been approached differently had the person who did it not been my husband?

Take legal advice. I know in the case of credit cards, even if you're grossly negligent eg write your PIN on the card, you can only be held liable for the first £50 see http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_plastic_cards.htm

So I imagine the same would apply to a loan, but can't guarantee it. Worth looking into - see if you can find a lawyer who'll do a free 30 min consultaion or try the CAB.

miduck

zagfles wrote: »

Take legal advice. I know in the case of credit cards, even if you're grossly negligent eg write your PIN on the card, you can only be held liable for the first £50 see http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_plastic_cards.htm

So I imagine the same would apply to a loan, but can't guarantee it. Worth looking into - see if you can find a lawyer who'll do a free 30 min consultaion or try the CAB.

No, the same does not apply to a loan.

Wanda31

So the lesson here is not to leave your bank card and diary lying around the house just in case your husband who you have known for 16 years leaves you high and dry. I still think that for that amount of money you should have to do more than log in using someone's details.

pineapple123

Your husband was able to access your log in details, you knew he was taking out the loan and the loan paid off both of your previous debts.
I dont understand why the bank is at fault.
Even if the debt was in joint names you would still be liable and if he didnt pay then they would still chase you.
I feel very sorry for you being taken in by your ex but I cant see how you are not liable from the banks point of view.

DCFC79

Wanda31 wrote: »

So the lesson here is not to leave your bank card and diary lying around the house just in case your husband who you have known for 16 years leaves you high and dry. I still think that for that amount of money you should have to do more than log in using someone's details.

How did he get the PIN for the card ?

From the banks POV you knew what was going on.