If a customer owes money, lets say to bank X, and subsequently has their account closed.
They then open a new account and move whatever money they have to bank Y.
X & Y merges - can X then help themselves to whatever money they were origionally owed.
This is not me but somebody I know, who is currently dealing with their debts with the help of mabs. They have a few hundred euro in a current account to pay their debts, over the next couple of months, but are worried the mony could be taken.