Is the bank taking your Benefits ?

MARTIN3030 · 9th October 2006, 13:06

There have been several reported cases of Banks taking charges from accounts that have benefits paid into them by DWP and Social security.thus leaving them with little or no money.
Here is a template letter to take or send to the bank to address this.
It is important to let the bank have this BEFORE you expect to have funds paid in by DWP or the Inland revenue.
A new letter should be sent for each payment that you expect to be protected,customise as required by adding the benefit/type of payment.

RIGHT OF APPROPRIATION

Dear Sir/Madam,
ACCOUNT NUMBER: xxxxxxxxx

I am writing to inform you that I am due to have a Tax Credit payment of £xxx paid into my account on xx/xx/xx, and I wish to use my first right of appropriation for this money, for the following purposes;
Rent £xx
Utilities bills £xx
Housekeeping money £xx
I will withdraw the money on the day that it is deposited for the above use, and I would be grateful if you would ensure that any other payments out of my account do not interfere with this withdrawal.

Yours faithfully,

[signature]

[print name)

Isiris · 9th October 2006, 20:02

Excellent Post Martin

And just some info for perusal
http://www.adviceguide.org.uk/nm/c_b...TION%20bank%22

MARTIN3030 · 9th October 2006, 20:04

Likewise a good reference from you.

Battleaxe · 9th October 2006, 20:12

Does this also apply to my Pension? paid by the Aussie Govt via DWP?

MARTIN3030 · 9th October 2006, 20:20

I would expect this to apply to that too yes.
Its not specifically for benefits.....the nature of the letter is to let the bank know that you need the money for essentials......this would be regardless of where the money is from.

Isiris · 9th October 2006, 20:21

Martin

Would you read it that it can be any source of income not only benefits ??

Isiris · 9th October 2006, 20:22

Whoops, crossed in the post

tarotcards · 21st October 2006, 19:57

Hi. This is BRILLIANT ....BUT....will it work??....and similar to myself with our Bank.. they have taken nearly all our Benefits that are payed into this account directly as charges.....can I claim this back with a little amendment to your letter......They have left us with nothing and not even paying d/d with the monies ther for them but instead has taken it for their charges. I have written to the DIRECTOR of the Bank and have relayed my concerns over the telephone but nothing has happened..YET.. and I am going back some weeks now..havew sent a Thread about this,previously. Thanks for any info

21st October 2006, 22:29

you are champion. had a problem this week with 2 * £30 being deducted because 2 debit card trans for £4.59 and £3.49 debited on diffrent dates and went overdrawn and over the buffer of £5.00.

MARTIN3030 · 21st October 2006, 23:03

Quote:

Originally Posted by tarotcards

Hi. This is BRILLIANT ....BUT....will it work??....and similar to myself with our Bank.. they have taken nearly all our Benefits that are payed into this account directly as charges.....can I claim this back with a little amendment to your letter......They have left us with nothing and not even paying d/d with the monies ther for them but instead has taken it for their charges. I have written to the DIRECTOR of the Bank and have relayed my concerns over the telephone but nothing has happened..YET.. and I am going back some weeks now..havew sent a Thread about this,previously. Thanks for any info

The only words they understand is those with a legal slant to them
There is no reason why it should not work and has indeed worked for many.
The fact that you have brought this to their attention and informed them as such has an effect.Though I suspect there will be an assesment made as to whether allowing you to have access to your money is preventing hardship
if by taking your money this leaves you vulnerable to your ability to function or causes hardship in your household I think there is a case to allow it.

dragonlord002 · 22nd October 2006, 09:33

I belive that when the banks take bennifits. that the dwp can take back off the back.
as when i had problems and asked the dwp to not make any payments too the bank
I was aske if they had grabed any and if i wanted them to swipe it back.

edited......please we cant use these words !!!

and what ones are they ?

cadencealex · 25th October 2006, 12:44

Is this true? I am sick of the bank taking money meant for our daughter and child tax credits - we don't see them at all.

MARTIN3030 · 25th October 2006, 12:53

It appears so.
To be honest I was not aware of this until now but my enquires reveal that DWP can indeed have some influence there.

Battleaxe · 26th October 2006, 11:53

My pension got paid into the bank account we are having problems with, i sent the Letter of Appropriation to the bank,recorded delivery (letter in templates library)they rang me on receipt of the letter to discuss this. Got the pension intact, the bank did not like it, but it worked. I rang DWP and explained what was going on and arranged for my pension to go into my parachute account. DWP said they could help if I wanted the pension still to be paid into the account in dispute, but think having it paid into a different account is better for me.

MARTIN3030 · 26th October 2006, 13:14

Good to hear you have got things sorted....

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.