BAD DAD

where does my daughter stand with this her dad used her bank account as he couldnt get 1 due to being made bankrupt he had his wages paid in to it and then got her to get an overdraft she never used the account and we moved house a few times and forgot to tell the bank it turns out her dad had his wages stopped being paid in to the account and had used the overdraft limit up also she received phone calls from a debt collecting agency who told her she owes £700 as the bank have put charges and interest on the account I am now having to pay the debt off as her dad wont we are not together and feel he should be the one paying it when we got a statement through he was withdrawing money out everyday. the bank did have her mobile number but never contacted her about it as far as i know.
22:13 Sun 15th Apr 2012
 
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The Bank will have been writing to her at the address on their records.Unfortunately as she is the only name on the account and requested the overdraft she is liable.
There are quite specific rules about what bankrupt people can do financially. I suspect some of these may have been broken.
if her dad has made transactions without her permission, he has committed fraud/theft. she will need to report this to her bank and the police in order to sort the situation out. she will need to go through her statements with a fine tooth comb and figure out which activity relates to him taking money without her permission (even if he knows the account details or her pin number). the bank will chase her vigorously for the debt as it is her account, but the only way she can make him pay and be liable for any of the debt is to report him.

similar cases include care workers fleecing people of their money if they have account details/pin. if he has taken money without her permission, she should report him as he has taken advantage of her. she really needs to start talking to her bank and get bank statements (online if possible, so you don't pay for copies) to see what he has done to her financially. he sounds like a complete arse, so i would report him asap and in future she should always have a bank account of her own and never give anyone the details - even if she is in a relationship or married. people can do really nasty things over money - you always hear about people stealing from accounts or emptying joint bank accounts if things go wrong. i have been married for 20 years, and i still have my own bank account, and my husband has his. we share finances jointly to pay bills and discuss money openly and regularly. this way, no-one can fleece anyone or be made liable for someone else's mistakes or spiteful behaviour. please tell your daughter to report him now and start a dialogue with the bank and police. i wish you well and hope she gets things sorted out. good luck x
oh - i forgot to say if dad has been made bankrupt, he has to tell banks or lenders he is such, and if he wants £250 or more of finance he must tell the bank. if he hasn't done this, he has committed an offence.
is she an adult?
His daughter gave him permission to use the account therefore she is liable.

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