Following your instructions. 7.1 To keep your money safe, and to avoid mistakes, we will only follow your instructions if we think: • they are complete – your instructions contain all the information we need; • they are clear – we understand your instructions without difficulty; and • they come from you - we reasonably believe that the instructions are from you and we received written instructions signed by you confirming them.
7.2 To avoid any misunderstandings or delays, please send us clear, written, originally signed instructions in the post.
7.3 We will generally carry out your instructions if they are legal. However, we do not have to follow an instruction if: • it is not complete or clear, or we do not think it came from you; • you do not have the money available to cover the payment request; • by carrying out the instruction we might break the law, regulation, code or other duty that applies to us, or it might expose us to claims from third parties; • we reasonably think that a payment into or out of an account is connected to fraud or any other criminal activity, including where the funds are being obtained through deception; or • we become aware that there is a disagreement or a potential disagreement between joint account holders.
Following your instructions. 3.1 You can instruct us to:
(a) make payments (for example, by direct debit, cheque or direct transfer) or cash withdrawals (this type of instruction is a “Payment Order”);
(b) give you information about your accounts;
(c) open new accounts or close existing accounts; or
(d) take any other action on your accounts. This condition explains how you can give us instructions and the steps we will take before we act on any instruction. Condition 4 sets out some additional terms that apply only to Payment Orders.
3.2 You can give us instructions by electronic banking (or any other electronic method we offer you), by telephone, in writing or using a card. There may be limits on the way that you can give us instructions.
3.3 If you authorise another person to give instructions on your accounts or operate them for you (for example any officers or other authorised signatories):
(a) we will deal with that person as if he or she were you for the purposes of this agreement. This means that the checks we carry out to make sure that instructions are genuine will be checks relating to that individual only and, where relevant, will require the use of Payment Instruments that are personal to him or her (and references to carrying out checks about you will include carrying out checks about that person). The authorised person must comply with your obligations under this agreement as if they were you, and
(b) in the event that you have any right, claim or action against any authorised person arising from their use of your accounts, you shall pursue such right, claim or action independently of, and without recourse to us. You will fully indemnify and defend us against all claims, liability, damages, costs and expenses, including legal fees, arising out of a breach of this agreement by any authorised person nominated by you or any unlawful use of the accounts and services with us by the authorised person. This provision shall not apply to the extent that the authorised person’s use of your accounts, or breach, is as a result of, or made possible by, us breaking this agreement.
3.4 Before we will act on an instruction, we will take steps designed to check that the instruction is: • genuine (in other words given by you); • complete (in other words it contains all necessary information); and • clear.
3.5 We will treat an instruction as genuine if we are satisfied that any person acting on your behalf is authorised by you, and: • the instruction is given in a document (for example a ...
Following your instructions. 7.1 To keep your money safe, and to avoid mistakes, we will only follow your instructions if we think:
Following your instructions. 7.1 To keep your money safe, and to avoid mistakes, we will only follow your instructions if we think: • they are complete – your instructions contain all the information we need; • they are clear – we understand your instructions without difficulty; and • they come from you - we reasonably believe that the instructions are from you and we received written instructions signed by you confirming them.
7.2 To avoid any misunderstandings or delays, please send us a completed withdrawal and notification form (signed in accordance with your mandate) by email to xxxxxxxxx@xxxxxxxxxxx.xxx
7.3 We will generally carry out your instructions if they are legal. However, we do not have to follow an instruction if: • it is not complete or clear, or we do not think it came from you; • you do not have the money available to cover the payment request; • by carrying out the instruction we might break the law, regulation, code or other duty that applies to us, or it might expose us to claims from third parties; • we reasonably think that a payment into or out of an account is connected to fraud or any other criminal activity, including where the funds are being obtained through deception; or • we become aware that there is a disagreement or a potential disagreement between joint account holders.
