tell you quickly when set-off has been used on your account. not use set-off on money it knows is intended for certain purposes, such as where the NHS provided it for healthcare, or a third party is entitled to the money. 
refund you, in most cases, if the bank later realises that money taken in set-off was intended for those priority debts or essential living expenses. 
estimate how much money needs to be left in your account to meet your priority debts and essential living expenses like your mortgage, rent and food bills.tell you about its right to set-off at least 14 days before it's used on your account and, when appropriate, on any other occasions.If a bank wants to claim money from your account to pay a debt, it should: This could happen if you miss a loan or credit card payment and you also have a current or savings account with the bank. Your bank may be able to claim money from one of your accounts to pay your debt in another account. But this won’t be the case if you weren’t aware of the loss, or if your bank was at fault. If your card was lost, stolen or copied, you may have to pay the first £35 of an unauthorised transaction.
In all cases, banks can’t simply say that the use of your password, card or PIN proves you authorised a payment.
the loss was due to the use of a payment card (including a virtual card) by someone who had it with your consent. it can prove you, or someone acting on your behalf, authorised the payment. If the unauthorised payment was from an overdrawn current account or a credit card payment, your bank can only refuse a refund if: 
you only told your bank about the unauthorised payment 13 months (or more) after the date it left your account. it can prove you deliberately, or with 'gross negligence', failed to protect the details of your card, PIN or password in a way that allowed the payment. it can prove you authorised the payment. Your bank can only refuse to refund an unauthorised payment if:
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