Wrong Bank Account ?

[albaqwerty]

Mr Alba and I are in an arrangement with Sheriff Officers (council tax)

However, the young alb received a letter this morning from his account advising him that they had tried to freeze his account.

Mr Alba and the younger have the same name, I'm fizzing mad apart from having to wait until Monday to contact SO's

Any advice on how to explain to them that they've got this wrong and the young alba wants his £25 back from the bank which was debited from his account?

Many thanks

[SlackAlice]

First off, I would have been having a first class rant at the bank. They allowed a debit to a wrong account and if so, on whose authority?

[hc4361]

It seems me the creditor has successfully applied a third party debt order that gives them permission to search for your bank account and deduct money from it and / or freeze the account.

https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/creditor-takes-money-from-your-bank-account/

Obviously they have found the wrong bank account. Speak to your bank now.

[albaqwerty]

thank you both for your replies. Words will be said when humans are around on Monday to reply to the usual 5 mins wait, if you are lucky.

Would have thought the plonker who wanted money paid would have made sure the birth date for account holder matched the person who owed the money.

Much obliged for your time

[tonyav]

Hiya alba, don't Mr alba and alba junior have different bank account numbers.

[albaqwerty]

Mr alba doesn't have bank account - he gets paid by cash Tony

and it's lovely to see you !! hope all is well xx

[tonyav]

Ah, I see alba.

T'is lovely to see you to, alba. I'm sure things will get sorted for alba junior on Monday.

[chrissa1]

Banks. Bar Stewards.

[hc4361]

Not sure who's to blame, the bank or the debt collectors.

[Peter Pedant]

tried to freeze or actually freeze it

Young alb should know if he has a CCJ against him
it could be something else
he should then allege negligence thro the usual channels
there is after all nothing he could have done

The usual thing for banks is numbers only so if the numbers correspond the bank will try to resist a claim
however he cd demand a copy of the 'order' since .... it is his data ( !! )

you probably cant act on his behalf as a result of Data Protection

You should contact the sheriffs and go down the complaint root
and allege negligence again
they clearly have to show due diligence before doing this
for obvious reasons

and clearly you need to try to clear the debt ....

[anneasquith]

Och I'm sorry your having to worry about this alba, hope all gets fixed on Monday .

[Peter Pedant]

Bear in mind BACS is usually numbers only
- only if they HAD looked at the name they would have seen ... it tallied

if your son has a credit card it may be worth applying for a letter of dissociation
https://www.debtadvisorycentre.co.uk/blog/what-is-a-notice-of-disassociation-0-4113-0

[hc4361]

Peter, this has happened because the creditors had no bank account details and applied to the court for permission to trawl the banks for accounts in his name and address.
The bank has given them the son's bank account details.

[wolf63]

It is wrong, very wrong. Get young alba to tell them his cat had to starve all weekend because of it.

I hope it is simple to sort out, it should not have happened.

[Peter Pedant]

hc
I understand that
it is just what alba can do about it

I didnt expect to learn Mr Old Alba didnt have a bank account ....

[jennyjoan]

- Would have thought the plonker who wanted money paid would have made sure the birth date for account holder matched the person who owed the money -

What about this for a plonker - received my contents insurance this morning and they have my birth date as 1900 - so I am 116 years old and also a Clerical Assistant which I never was ever ever.

[bhg481]

When you get on to the bank ask them for compensation for their error - I was told about 10 years ago by someone in the know that £50 is a good amount to ask for as it requires minimal authorisation. I've tried it myself a couple of times and it works. The £50 may have increased by now but best to play safe. If they mess about just let them know there's plenty of banks out there which would like your custom and swapping banks is easy nowadays.

[albaqwerty]

very many thanks for comments and advice.
Eventually got hold of nice lady at SO's - as suggested they were fishing and got the wrong Alba
So much for a bunch of professionals anyhoo
he needs to send in a copy of his bank statement (as if that's going to happen, that's private, and a copy of birth cert which isn't a problem. When I told her that Mr Alba's dad had the exact same name and lived in the same road she was quite surprised.)

Advice and comments were most appreciated folks, many thanks xx

[albaqwerty]

before I forget, £50 quid compensation was offered and not asked for, so that's another bonus !!

[albaqwerty]

and your most helpful reply is duly ignored.

Plonker