if i have an overdraft facility of R100 000.00 and i am R1000.00- in my account...in other words have R99 000.00 available overdraft funds.

if i owe sars R 20 000.00 in penalties and interest can they take it out my account?

or can they only take it out my account if i am in a plus balance?

considering the money doesnt belong to me...it belong to the bank...and if they do would i have a winning case to get my money back...i do realise this would be impossible...considering the rate at which officials are spending our hard earned money...on the good life