To take this money back from my sister?

[SofaKing]

OK, background is dsis cannot get a bank account due to bad credit rating.
She was made redundant in November, and in December asked me if I would agree to open a bank account at my bank which she could use the overdraft of to fund Christmas, as she was due a payment of child tax credit after Christmas and could pay me back. I agreed eventually, after she said if I did not she would have no money to feed her DC until after Christmas.
She had a 300 pound overdraft which I paid off after Christmas when dh got his bonus. When she got her child tax credit money, she repaid me 160.
She then took money from the account, putting it overdrawn. I had to put the money back to avoid bank charges. When I asked her about it she apologised and told me to take the money back from the account when she was paid.
She has now taken money again, 30 pounds. I have topped up the account to avoid charges again but I am fuming
Would I bu to just take the money back when she is next paid?
I feel bad on some levels as she has no money at all and is a single parent, but I am a sahm and dh has a well paid job. At the same time she is taking the piss when I've done her a favour. I would love to close the account but before this she was getting the money paid into her daughters account and taking money from them instead, she and her husband are not working and have a dd, so they cannot afford to have her do this. I can afford it but don't see why I should bankroll her.
Aibu,and can anyone suggest anything else I can do to stop her taking money without asking which won't impact on other family members?

Satander do a basic account too.

You aren't the one wrecking the relationship - she is.

You have done a lovely thing that is beyond the call of sisterly duty IMO - but if you let it continue, you will really suffer for it.

She can have a basic account with no over draft which would then be her own issue!

She sounds like she's sponging off you.

She can't get a bank account-or just not the type she wants??

Close it now!!

Natwest to a basic account. Close the account and tell her to piss off.

YANBU. She can get an account sound like she is taking the piss op. Natwest basic account has no credit checks and can be set up online in 10 minutes i done it for my brother when he had money trouble.

Get the card off her. Keep the money she owes you. Close the account and if you don't have the card report it as stolen.

it is also possible to keep spending on a card when there are no funds if they stay below the floor limit (different shops haveddifferent limits) and you would still be liable as you gave her the card and pin.

She's being totally unreasonable.

I'd close it as soon as you can. She's taking the piss

Absolutely agree you have to close the account, I'm fairly sure that opening an account in your name for someone else to use could be classed as fraud. Banks have to be so careful these days about money laundering etc that you could open yourself up to all sorts of difficulties. And even if these risks are not that great they may make a better excuse for closing the account than 'I can't trust you' which is unfortunately the truth.

Personally I think you'd do well to do the research on basic accounts and speak to your dn and her husband about it as well, make sure that they have all the information about your sisters options and if possible get them to toe the party line. It's very understandable and commendable that she'd want to help out her mother, but if you can give her all the details and show that actually these shenanigans with fraudulent bank accounts are unnecessary as well as illegal then hopefully she'll be able to stand up for herself a bit better.

I thought everyone could get a basic bank a/c these days? I must be wrong. They generally provide the a/c for wages etc. but no Maestro/Visa overdraft facilities. Am I wrong?
I would close your a/c ASAP and let her become a bit more responsible for herself. Better she asks you for 30 quid than just taking 30 quid. That is cheeky.

Also agree with Zalen. If the a/c is being used fraudulently it will open a legal minefield for you.

Maybe not report card stolen but definately lost. I would tell her you are not pleased she keeps taking money and are going to close the account. Its not her business how much of your money she thinks she can have.

Get the card back off her or cancel it if she wont then tell her to get a basic account or one that only allows cash withdrawels

Google will bring up accounts for those with poor credit history - Lloyds do a basic bank account.

So close yours and let her open her own

Try a basic account with the co-operative bank, I know someone who got one with a bad credit rating (Iva not quite bankrupt)

So is this account in joint names. I would close it and get your name off this account. Your sister is too unreliable with her finances to allow this sort of arrangement. I think your first duty is to yourself and your family's financial wellbeing. Your sister has brought this on herself.

Barclays do a basic account even if you are bankrupt.

Don't let her get you into debt too!

I know for a fact that HSBC and natwest do accounts for people with bad credit as DP has one, you cant have an overdraft on them or use them in shops or online they are literally for money to go in and take out.
Id just givec her some information on the basic accounts, tell her that having nher own account will help her credit rating and it would be better for her.

Barclays let you open a basic account with £1. (Not even sure you need that)

I have one with no overdraft facility and it will never allow me to go overdrawn, even if a bill is a penny over my funds, my card will decline (exactly why I wanted this account).

HSBC however, allow me to go up to £70 over my overdraft - then sting me for charges - hence I'm closing the account, it's too easy to use that when desperate even though it costs me in the long run.

You sister is taking the piss. You need to close the account. She can have a PO account, or basic bank account.

Barclays didn't run a credit check on me when I opened the account (they may well have done afterwards) so I think your sister maybe bullshitting you.

Shut the account. She has to deal with her own money issues.

I feel bad on some levels as she has no money at all and is a single parent

she and her husband are not working

Which is she?

Close the account. You can't keep bailing her out. Of course she'll be upset when the free money runs out and you're not doing her any favours in the long run?

Sorry, you were talking about her daughter and husband. My mistake now I've re-read

Co-Op Cashminder account.
They even take bankrupt people.

Did you open a bank account in your name, but kind of on her behalf so she has the card/pin number? That might be fraudulent. Close the account. Let her kick off if she must - she's hardly got the moral high ground, has she? She's disrespectful, emotionally manipulative and a thief. Tell her to open a basic bank account and offer to help her look for a new job but stop being her cash cow, ffs.