Supporting you if you’re experiencing domestic or financial abuse
What is financial abuse?
Financial abuse can happen to anyone. It’s when someone has manipulation over another person’s finances, through control, coercion, or even fraud. Abuse might be carried out by a partner, family member, friend, carer or a registered third party or power of attorney.
How will I know if I’m experiencing financial abuse?
It can be difficult to notice, if you’re being financially abused, but below are some warning signs. If you agree with any of the statements below, that may be a sign that you are being financially abused.
They stop you from working or getting to your job
They have control over joint bank accounts, or any sole bank accounts you have
They borrow money in your name
They make you borrow money you otherwise wouldn’t
They spend your money without telling you
They cash your pension or salary without your permission
They get their name added to your accounts
They’ve stopped you from seeing your family or friends
They offer to pay bills or do your shopping to get access to your money, but you do not see what they spend that money on
They’ve asked you to change your will
They get themselves added to your account using power of attorney or third party mandate
Do any of these sound familiar? If you think you are being financially abused, there are some steps you can take to protect yourself below.
What is domestic abuse?
Domestic abuse takes place between people who have been or are in a relationship or between family members. It’s not always violent. Domestic abuse can involve sexual assault or it can be psychological, financial or emotional.
Coercive control is a pattern of behaviour including assault, threats, humiliation and intimidation that is used to harm, punish or frighten the victim.
How will I know if I’m experiencing domestic abuse?
You might not realise if you’re in a domestically abusive relationship, however if you are concerned for yourself or someone else, below are some warning signs to look out for. If you agree with any of the statements below, that may be a sign that you are being domestically abused.
Do they stop you seeing your family or friends?
Do they constantly put you down in public?
Do they embarrass you or humiliate you in front of family and friends?
Do they tell you you’re useless or worthless?
Do they control your money?
Do they use anger and intimidation to frighten you?
Do you avoid making them angry?
Do they threaten you if you don’t do something?
Do they blame you for their behaviour?
Do they play mind games with you?
Do you blame yourself for their behaviour?
Do you worry about leaving them if you have children or dependants?
Are you financially dependant on them?
Do any of these sound familiar? You don’t have to experience this alone. We’re here to support you, and will do all we can to help you get back in control.
Do you need immediate help?
If you’re in immediate danger, call 999. if you can’t speak to the operator,
Press 55 when prompted on your mobile or;
You may be prompted to cough or make a noise if you’re calling from a landline
Stay on the line – you’re call will be transferred automatically to the police.
What can I do to protect myself from domestic or financial abuse?
Below are some practical steps you can take to help regain control of your finances.
Keep your account secure. Make sure only you know your PIN and passwords. Change them regularly, even if you think your abuser doesn’t know them.
Keep your communications safe. You can choose to have your correspondence elsewhere, as well as paperless statements which you can review online.
Keep an eye on your credit file. This will help identify anything out of the ordinary or lending that you might not be aware of, such as loans, overdrafts, store or credit cards.
Clear your browsing history - it’s very common for abusers to monitor or control the use of technology and the internet. It’s important the person you’re worried about doesn’t know you have been seeking support online. There are different ways to delete or remove specific addresses from your browsing history depending on your browser and device. Check out the advice given by Refuge to help you delete your browsing history, as well as other useful tips on protecting yourself online.
What can you do to help me if I’m experiencing Domestic or Financial Abuse?
We can help you open an account in your sole name only.
We can help you change your address so your correspondence goes somewhere safe.
We can discuss how to protect or review any joint accounts you might have with your abuser.
We can discuss the types of important documents you might need for opening new accounts or services, such as your passport or driving licence. This could help you open accounts in your sole name.
We can point you towards third party charities for guidance and support.
TSB Supporting Safe Spaces
What are Safe Spaces?
TSB are proud to be the first bank to become part of the Safe Spaces scheme, with Safe Spaces available across our branch network, providing extra support to victims of domestic abuse. You don’t need to be a customer to seek help in one of our safe space branches.
The Safe Spaces scheme is a national initiative designed and run by the charity Hestia, under the UK Says No More banner – Hestia provide support to victims of domestic abuse, Safe Spaces provides a place for victims of domestic abuse to seek advice, support and assistance – ranging from referrals to support agencies and charities, to calling the police.