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

Lou67

I do feel sorry for you Wanda, but there isn't a lot you can do about him taking out this loan, as the bank have not done anything wrong.

magpiecottage

happycamel wrote: »

I think the big loophole is that he had your login details for online banking. This is clearly against their terms and conditions. You must have given him the password

That may not be so.

FOS has been known to decide that a customer has not acted unreasonably or recklessly if a family member obtains their login details from within the security of their own home without the customer's consent and is therefore not liable.

If the OP believes that is the case there may be grounds for complaint.

cos_2

My wife and I share our online account info. If I were to pop my clogs I want to be sure she has access to all the finances.

Unfortunately, it sets us up to the same situation as the OP in that, although my wife and I trust each other, the same problem COULD arise.

I have a great deal of sympathy for the OP.

The best bet, in my opinion, is to sue the ex for recovery as I don't see the bank has failed in its duty, I'm afraid.

marmitedog

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.

I disagree. The online system was great when I applied for a loan. Just needed the little keypad and my PIN. Very secure.

My PIN is in my head you see. As much as I trust my wife, she cannot see inside my head.

You have my sympathy Wanda31, but you must see you've dropped the ball on this one.

barbarawright

magpiecottage wrote: »

That may not be so.

FOS has been known to decide that a customer has not acted unreasonably or recklessly if a family member obtains their login details from within the security of their own home without the customer's consent and is therefore not liable.

If the OP believes that is the case there may be grounds for complaint.

The first post makes it clear she knew he was taking out the loans. There's no evidence he got the login details by sneaky methods.

Macca83_2

cos wrote: »

My wife and I share our online account info. If I were to pop my clogs I want to be sure she has access to all the finances.

Unfortunately, it sets us up to the same situation as the OP in that, although my wife and I trust each other, the same problem COULD arise.

I have a great deal of sympathy for the OP.

The best bet, in my opinion, is to sue the ex for recovery as I don't see the bank has failed in its duty, I'm afraid.

see this is what i don't understand. You both can have your own log in details which will give you equal access to any joint finances. Why the need to share details? Plus if you were to pop your clogs, your wife is not allowed to have access to your sole finances until the proper channels are followed.
Having seen what loved ones will do to each other through different jobs in the past has really drilled down the importance of keeping log in details, pins etc private

JuicyJesus

Macca83 wrote: »

Having seen what loved ones will do to each other through different jobs in the past has really drilled down the importance of keeping log in details, pins etc private

This can't be overstated enough.

An ex of mine was utterly perplexed that I wouldn't let her have the passwords to any of my online accounts, when every so often she logged into her ex's Facebook on a password he gave her to check up on him and see what he was doing. I'm sure he loved her too, at the time.

sistafromanothermista

marmitedog wrote: »

My PIN is in my head you see. As much as I trust my wife, she cannot see inside my head.

You have my sympathy Wanda31, but you must see you've dropped the ball on this one.

Don't be so sure marmitedog :rotfl:

Lou67 wrote: »

I do feel sorry for you Wanda, but there isn't a lot you can do about him taking out this loan, as the bank have not done anything wrong.

I agree on this one.

poppasmurf_bewdley wrote: »

The only chance you have is to go to the police and report your husband for fraud.

OP, why wouldn't you do this?! if he has in fact 'ripped you off' the police would be my first port of call.

Although i feel some empathy, you have admitted to knowing about the loan (although not the full story) and did in fact benefit from it, either directly or indirectly. I don't see that the bank are at fault at all!!!!! Security is there for a reason.

magpiecottage

barbarawright wrote: »

The first post makes it clear she knew he was taking out the loans. There's no evidence he got the login details by sneaky methods.

Possibly.

On the other hand, she does not say she thought it was in joint names either.