Should a bank allow withdrawals from a non-active acccount?

mangotsfieldgirl

A few years ago we changed bank accounts. We still had an overdraft available to us on the old account but our salaries were not being paid in to it. Due to an emergency, we withdrew some money (a few times), and now the overdraft has mounted. I have been paying money into the account to try to reduce it, but over the years the interest has gone up and now I owe much more. I know I shouldn't have withdrawn any money, but surely the bank is in the wrong as well, allowing withdrawals when there is no salary going into the bank, and also should they have contacted us to warn us that the amount owed is rising? I need to get this sorted and paid off, but just worth a chance that the bank is partly to blame too. Thanks for any advice.

noh

No one to blame but yourself.

dunstonh

What do you mean by non-active? Banks will take extra care on a dormant account but it can take many years and a few warning letters issued to you before an account goes dormant. A few years ago is not long enough for an account to go dormant.

but surely the bank is in the wrong as well

How is the bank in the wrong for you drawing the money?

and also should they have contacted us to warn us that the amount owed is rising?

They did. It is called a bank statement. Issued at a frequency of your choice (typically monthly).