BDO took my entire final pay — what can I do?
Hi everyone, I really need advice.
I recently received my final pay in my payroll account with BDO, which I had been waiting for almost a month. But when it was finally credited, BDO immediately took the entire amount through a deposit set-off.
Now I’m left with zero balance.
For context:
- I am currently unemployed
- This was my only remaining money
- I support a family of 8, and this was supposed to cover our basic needs (food, transportation, etc.)
I understand I have obligations, and I’m not trying to run away from them. But taking 100% of my final pay without leaving anything has left us with literally no means to survive right now.
My questions:
- Can I still get it back?
- Has anyone experienced this with BDO or other banks?
- Is this even allowed, especially for a payroll account?
- Is there anything else I can do to escalate this?
Any advice, similar experiences, or guidance would really help. I’m honestly in a very difficult situation right now.
Thank you.