ByGF2023H
Hello everyone,
I was at the cooperative bank on Friday. I was granted power of attorney there months ago. However, the employee now claims that I don't have the authority to close a supplementary account, even though the account holder gave me the order. I also have a power of attorney for health care, including for banking transactions.
Was this legal for the employee or not?
(1 votes)
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Many banks only accept their own power of attorney, not self-authorized. This would be an enormous effort to check each individual whether all relevant parts are included or not, whether there are special bells from the customer or not, etc. Some have even entered into their account usage contracts if the customers don’t read this is their responsibility.
Therefore, they often cross each other at their own, simply because the effort is enormous. Yes, for you, this is a power of attorney for a customer, but guess how many a bank gets from it on the day or week… Even if you show them that they must accept, of course, it must be checked for validity and completeness for the first time, because many other things have prevailed before someone deals with it.
In fact, however, it is so that common authorizations do not contain account closures. For this purpose, a different additional power of attorney must be present, which is explicit for bank statements. Thus, without this, this can only be the account holder or if you have been ordered as a custodian for assets or later as a heir.
A bank power excludes an account triggering!
or in other words:
An account can only redeem the account holder.
Print a form for an account triggering and unsubscribe to the account holder.
or write a formless account announcement with the address of the account holder and with his signature.
Often banks only recognize powers on their own forms, I know that professionally and personally.
Redemption of an account is usually only possible after the death of the account holder, ie the latter must order the resolution itself.
Link please don't get wrong, but it's well explained.
https://www.bestattsplanung.de/sorge/bankvollmacht.html#:~:text=Sofern%20es%20other%20agreed,complete%C3%A4 notorious%20and%20Depots%20onl%C3%B6sen.
It's a pretty vulture, yeah.
If it is properly formulated, a precautionary power is comprehensive, the refusal would then be clearly illegal.
Always depends on dei authority. This can only be valid for a very limited part
If you have to look in detail, ask the banker what he calls himself.