Subject	Predicate	Object
yqK00ZMH	a	Resource
		Answer
		Written answer
	answer has question	E5nQj3bo
	answer has answering person	Sajid Javid
	answer text	<p>Banks have a legal right of set-off. This means that a bank may recover a debt owed by a customer on one account from sums held in another account.</p><p>The Lending Code and the Financial Conduct Authority's (FCA) Banking Conduct of Business Sourcebook (BCOBS) provides industry guidance that sets out the way banks and building societies should treat their customers when using the right of set-off.</p>
	answer given date	2013-10-08
	answer has answering body	HM Treasury
	written answer has answering body	HM Treasury
HM Treasury	answering body has written answer	yqK00ZMH
HM Treasury	answering body has answer	yqK00ZMH
E5nQj3bo	question has answer	yqK00ZMH
Sajid Javid	answering person has answer	yqK00ZMH