How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Jo C. Your Own Question
Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 70288
Experience:  Over 5 years in practice
12826847
Type Your Law Question Here...
Jo C. is online now

Hi there wonder if you could help me ? I have a credit

Customer Question

Hi there

wonder if you could help me ?

I have a credit card with barclaycard witch has gone to debt collectors.
But barclay card have decided to take the full £626 out my savings account without asking me! Is this wrong? What rights do I have?
Submitted: 3 years ago.
Category: Law
Expert:  Jo C. replied 3 years ago.
Hi.

Thank you for your question. My name is Jo and I will try to help with this.

Do you have a barclays account?
Customer: replied 3 years ago.

Yes I do

Expert:  Jo C. replied 3 years ago.
Thank you.

I am really sorry but I cannot give you good news.

If you are in default on a credit card then they can draw funds from a current account or savings account that you have with the same bank. There will be a term in your contract allowing them to do so.

The way to avoid it is to set up a basic bank accounts with a banker from whom they have never had any contact. Then they cannot get access to your funds and you hold all the cards.

I am very sorry but I can only give you truthful information.

Hope this helps. Please let me know if you need more information.

Jo