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stopping a bank account going into debt
I've just joined this community as we can't be the only ones with this problem! I reckon our adult son is dyspraxic, although he only has a diagnosis of dyslexia. He has a terrible memory and continually receives packages (mostly pokemon cards) through the post, which he doesn't remember ordering. When he's come home from being in town, I sometimes look in his bag and he doesn't remember buying what's there. One time there was ice cream, which we had to eat straight away!
I've tried to get HSBC to stop his account going into the red. I try to ask son every day what his bank balance is and usually top it up if it looks like it's going into debt. Buying online is too easy. We've cancelled his bank card twice so far and just gave him cash, but nowadays retailers are very often only using cards. I want him to be independant, but why can't the bank stop debits going through? thanks