When the sale of homes meant that Amanda Whiteman had a £ 28,000 bank account, she knew she had to save some of them.
Bipolar disorder made it very difficult. The 37-year-old sent money within nine months.
She had tea and a holiday to show it, but now she has no idea what she bought with the rest spent during the manic phase of the disease.
Salesman Whiteman said, "I went to the bank to withdraw money and gave it to me without any questions."
"Everybody's different. Some people will see it as a hindrance, but the help they can give me would later appreciate it."
- Creasing debt is associated with & # 39; depression & # 39;
- You have asked your bank to block spending. It's not like that
Analysis has shown that people with bipolar disorder, depression or obsessive-compulsive disorder (OCD) are experiencing potential problems, especially with excess spending and money management and debt.
Currently, the Money and Mental Health Policy Institute requires banking and building societies to monitor customer data to detect signs of problems such as a sharp decline in revenue, a sharp increase in spending, or the continued use of unauthorized overdrafts.
You want the bank to use text message notifications for anyone you want, or to clearly indicate where you can get debt advice.
Whiteman thought that she probably helped at the time of spending.
"It was money and the bank didn't help or take care of the concerns," she said.
That's why banks and customers should be able to deploy safety devices at times of good health, not manic depression, she said.
She indicated that the bank had something in her record that it was bipolar, not something she could not come in without knowing.
The proposal raises questions about the bank's privacy and how banks play a role in how customers manage their money.
The bank pointed out to the laboratory that many customers would have more than one account, making it difficult to collect a comprehensive picture of the customer's finances.
There are also data protection rules that make intervention difficult. The Institute wants to publish guidelines on how regulators can legally and securely use customer data.
"The news article on how companies use personal data and its impact on privacy and safety is almost a week old. These concerns focus only on the risky risks that can overlook legitimate but enormous opportunity data. Helen Undy, chief executive of the institute, said.
"About 100,000 people with troubled debt attempt suicide in the UK every year, and many are silent and struggling to ask for help.
"If someone's data shows a sharp drop in income, it can be as simple as a bank checking in as a text message, or signing up for additional support can make all the difference."