Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

+ Reply to Thread
Page 1 of 2
1 2 LastLast
Results 1 to 20 of 22
  1. #1
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    Posts
    4,937

    Default How much the law says you need to live on

    I have just been reading through a letter I recieved about my benefits .One of the pages gives me a break down of how much I get and for what reason.At the top of the page it sates in bold type .... HOW MUCH THE LAW SAYS YOU NEED TO LIVE ON .... yet the goverment are forcing people to have their benefits paid into a bank account and the banks are taking , sometimes , large amounts from it and are saying they are justified to leave people with a less amount then the law says.??

    Similar Threads:

  2. #2
    Site Team The Consumer Action Group BankFodder has disabled reputation BankFodder's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2006
    I am in
    Please consider making a donation if we have helped you. Thanks
    Posts
    19,488
    Blog Entries
    14

    Default

    Yes, it is a scandal. Even bailiffs or creditors in bankruptcy have to leave you with enough to carry on and to earn a living. Any other creditor only has access to the credit register after an impartial open hearing before a judge,

    The banks by the abusive use of their contractual have a privileged access to your assets and credit reputation and of course they abuse both.

    This is an issue which appears to have come to light only since people have had a common forum to express their concerns.

    It seems to me that this is a subject for a separate campaign on its own. Ther is a need here for proper regulation at the parliamentary level. The banks have shown that they are not to be trusted when left to their own devices.



    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    All attribution rights and moral rights in my copyright work are asserted
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Follows
    0
    Following
    1

  3. #3
    Basic Account Holder paulclarkson1985 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    Posts
    502

    Default how much the law says you need to live on

    hi
    when the goverment insisted that everybody had to have there benefits paid into the banks there was a hue and cry people were concerned that
    this would happen.
    the banks said they would not do that and they would have a code of
    conduct volanterily to stop this and the goverment agreed.

    now when my family was young margaret thatcher was in power
    everybody was on the dole there was no work. i was one of them.
    if they had taken money from my benefits we would have starved.


    people were forced to open bank accounts they did not want pensioners were happy to go to the bank to get there pension in cash so was everybody else the money was always there you could do what you liked with it. wages were the same cash in your hand every friday we were all
    pushed into having bank accounts and we were all turned into
    bank fodder


  4. #4
    Basic Account Holder The cobbett slayer Highly informative The cobbett slayer Highly informative The cobbett slayer Highly informative The cobbett slayer Highly informative The cobbett slayer Highly informative The cobbett slayer Highly informative The cobbett slayer's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jul 2006
    I am in
    a long way from here
    Posts
    548

    Default Re: How much the law says you need to live on

    Try dealing with the CSA!

    When Mrs Slayer was assessed for maintenance payments for her 2 children who live with their father, it came to an amount that we simply couldn't afford.

    She rang them and explained that we have a young child (Baby Slayer was about 9 months old at the time), a mortgageicon and all the usual domestic stuff and the amount they told her they had decided to take from her salary would actually mean that expenditure exceeded income. She was given a 4 word answer.

    "THAT'S NOT OUR PROBLEM"


    Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.
    If you PM me for advice I will only reply in your own thread

    Never under estimate your ability. I won over 17,000!
    For the full story - look here
    http://www.consumeractiongroup.co.uk...r-NatWest.html
    Follows
    0
    Following
    0

  5. #5
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    By the Tower next to the sea
    Posts
    2,028

    Default Re: How much the law says you need to live on

    Should be made illegal to take charges from anybodys account who is on benefits. The sooner laws are passed to stop these charges the better.Banks must be made to pay peoples charges back automatically for the last 6 yearsicon minimum or as long as they have had their accounts.How long before this happens- who is in charge of all these banks- are they politically entwined. Are they all having a glass of champers at their club having a laugh at their latest profits.People power will win. Taking money from peoples accounts who are on BENEFITS DISGUSTING PRACTICE- even if you explained to them i bet they would still take them- saying something like thats your problem -terrible

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)
    Follows
    0
    Following
    0

  6. #6
    NATTIE
    Guest

    Default Re: How much the law says you need to live on

    It is unlawful to stop people from taking their benefits even if they are over the overdrafticon limit.


  7. #7
    Basic Account Holder stitch05 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    Posts
    97

    Default Re: How much the law says you need to live on

    I know I am one of many who have had charges taken from benefits

    I wonder is it returned direct debt charges that most people have taken from benefits. I know some companies are going to charge for not paying this way, but how annoying it that?

    I was recently charged for an unpaid Direct Debt. I complained to my bank saying this is how much the government says I need to live on etcand quoted Right appropriationiconbut they wouldnt back down. I was deflated! and shocked that they did not take notice. I thought maybe I have got it wrong and they can take benefits.

    But I was really desperate, I couldnt give up. I had no other money coming in that week, so I went into the bank to see some-one face to face. I did get my money back in my account that afternoon, but it felt more like a goodwill gestureicon than an acknowledgement that they couldnt take benefits.

    I dont want to have to go through that again so on the advice of CAGicon members I opened a basic account and I am having all benefits paid into it. Most importantly, I will not be setting up any direct debts with my new account, as these are my biggest problem. Sometimes I only need to wait a few days to have enough to pay a bill, but with direct debts you get no leeway.

    As I said though, most companies want us to pay by direct debt, so I may have a problem there. I think watchdog covered this recently.


  8. #8
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    enaid Novitiate enaid's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2007
    Posts
    1,318

    Default Re: How much the law says you need to live on

    I have moaned about losing my I.C.A to everyone from the C.A.B to the Prime Minister, but it did me no good. All I did was earn 68 per week instead of the measly 50 I was allowed and they took 15 months I.C.A off me. I have been paying it back at 5 per week now for over 5 yrs I think I have another 3yrs and then I will be paid up I hope.


  9. #9
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    By the Tower next to the sea
    Posts
    2,028

    Default Re: How much the law says you need to live on

    I didnt know it isnt allowed to take charges from peoples benefits- i had never heard of Right appropriationicon.I wonder how many people have just been left with no money for the week and just suffered.Must be thousands going back over the years.How many would have given up with phone callicon to bank-WHY should Stitch 05 have had to go to bank -can only imagine what that must have felt like.As for Direct Debits they dont suit everybody and no doubt you will have to pay more for not paying this way-it does not seem fair.Some low income people have token meters for electricity and more or less pay before they use-i have heard they charge 25% extra for this -wow add that up over a few thousand people-i hope my facts are right with this.Good luck to anybody claiming charges back from banks- or fighting for their rights-draw strength from this site-bye for now Tawny.

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)
    Follows
    0
    Following
    0

  10. #10
    bp bp is offline
    Basic Account Holder bp Novitiate bp's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2006
    I am in
    london
    Posts
    466

    Default Re: How much the law says you need to live on

    I don't know the real answer but i do know that it shouldn't be happening, just over a year ago, i was on maternityicon leave and i had agreed my return to work with my boss and as far as i was concerned everything was fine. My supervisor however, didn't bother sending my paperwork to payroll so as far as payroll was concerned i wasn't coming back so they only paid me 50 anyway two days later they paid the right amount the following month, the bank took over 600 from y acc. I was in tears and it was just lucky that my child benefit was being paid into a different acc so for a month, i had to live on 28 per week! i was so depressed. Banks really do have a lot to answer for. I just hope that the whistleblower programme is going to show just how much it truly costs the banks and then i hope the OFT takes this into acc when they come up with their ruling.


  11. #11
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    Lula Authoritative Lula Authoritative Lula Authoritative Lula Authoritative Lula Authoritative Lula Authoritative Lula Authoritative Lula Authoritative Lula Authoritative Lula Authoritative Lula Authoritative Lula's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2006
    I am in
    Hertfordshire
    Posts
    8,899

    Default Re: How much the law says you need to live on

    I read something today about the credit unions wanting to start having basic bank accounts, you can set up direct debits, have money paid in and have a basic bank card, sounds good to me, what do other people think, it is, they said, an answer for people who wont be able to open a bank account elsewhere

    Lula


    Lula v Abbey - Settled
    Lula v Abbey (2) - Settled
    Lula v Abbey (3) - Stayed

    Follows
    0
    Following
    0

  12. #12
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    dpick Highly informative dpick Highly informative dpick Highly informative dpick Highly informative dpick Highly informative dpick Highly informative dpick's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Feb 2007
    I am in
    Teesside
    Posts
    3,076

    Default Re: How much the law says you need to live on

    Hi all I am on benefits don't get me wrong I get a fair bit due to my wife and I both being disabled, the thing that gets me is while I was able to work for the most part I was able to meet DDicon,s etc as paid monthly. Though I did bitch about some demands for DD,s to be paid 28th of the month (lazy b*****rs did not know how to write a computer program able to cope with up-to 31 days in a month) when I was paid last day of month. But when I had to stop working and just had benefits I found that could not get DD,s amended to every 2 weeks to co-inside with benefit payments so this resulted in failed DD and charges. I have now stopped all DD,s bar those I can cover with private pension paid at month end. This now means that when I now pay company's that used to be paid by DD,s I have to pay extra for not using DD,s. At this time this cost me an extra 30 every month for adminicon charges etc.

    If someone knows a way of forcing say gas, electric, phone etc to make fortnightly DD,s please reply I know a lot of people on fortnightly benefits want this option.

    dpick

    cannot find it A to Z

    http://www.consumeractiongroup.co.uk...hat-youre.html


    Halifax
    Paid in full 2295

    MBNA 20/03/2008 settled in full out of court

    Capital One
    07/07/2007 Capital one charges paid in full 1666
    19/01/2008 recovered PPI 2216 + costs

    Littlewoods
    12/08/2007 write off 1176.10 debt.

    JD Williams charges refunded in full 640
    Follows
    0
    Following
    0

  13. #13
    Basic Account Holder trickytrish Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2006
    Posts
    71

    Default Re: How much the law says you need to live on

    Hi all I am on benefits don't get me wrong I get a fair bit due to my wife and I both being disabled, the thing that gets me is while I was able to work for the most part I was able to meet DDicon,s etc as paid monthly. Though I did bitch about some demands for DD,s to be paid 28th of the month (lazy b*****rs did not know how to write a computer program able to cope with up-to 31 days in a month) when I was paid last day of month. But when I had to stop working and just had benefits I found that could not get DD,s amended to every 2 weeks to co-inside with benefit payments so this resulted in failed DD and charges. I have now stopped all DD,s bar those I can cover with private pension paid at month end. This now means that when I now pay company's that used to be paid by DD,s I have to pay extra for not using DD,s. At this time this cost me an extra 30 every month for adminicon charges etc.

    If someone knows a way of forcing say gas, electric, phone etc to make fortnightly DD,s please reply I know a lot of people on fortnightly benefits want this option.

    dpick


    Hi Dpick

    I'm on benefits and get paid weekly! and so therefore pay everything weekly or fortnightly, but not by direct debiticon, but by standing order! which I think is much better! But some companies will argue with you that they wont accept Standing orders either unfortunatly!

    hope that helps!

    in the middle of january I was over my overdrafticon limit and and 2 Direct debits got returned to the bank, the foillowing Friday my Child Tax Credit went in and they took the whole amount of my child tax credit! at 70, 2x 35 I rang them up and complained! and said I needed that money to pay bills and it was the only money I had but the only thing they offered me was to extend my overdraft I have a straight 100 at the minute that comes with the account! So they said they would extend it to 180 and I had to pay it off by instalments every month at 20 per month on the last day of the month! anyway a week later I got my bank charges back (thanks to this site) and my Account has been in credit ever since! so at the end of January they took there first 20, and reduced it to 160, I rang them up and said because the account was in credit and asked them to take the remaining 60 off since I had the money in the account to cover it! They said they would and it would be sorted by midnight that night! anyway the next day the account was still showing with the extra 60 showing on the over draft limit!

    I never bothered again and just thought oh well they must of just left it has it was and they'll continue to take it has a reduced 20 at the end of every month! anyway the end of February and it was still showing has 60 over the limit so they had'nt took it!

    I rang them up again a few days in to March to ask what ws going on and to ask them to take the full lot off again! (Bearing in mind my account was still in credit) they said I could keep it if I wished its not a problem! But I insisted I had enough in my account to cover it etc, and wanted it taken off! So they took it all off in the end, just like that and did'nt even charge me!

    The moral of this story is that If your struggling and in your overdraft, the banks will charge you more! But if your in credit and not struggling the banks wont charge you! I still cant understand why they did'nt charge me for this overdraft!


  14. #14
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    dpick Highly informative dpick Highly informative dpick Highly informative dpick Highly informative dpick Highly informative dpick Highly informative dpick's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Feb 2007
    I am in
    Teesside
    Posts
    3,076

    Default Re: How much the law says you need to live on

    Quote Originally Posted by trickytrish View Post
    Hi Dpick

    I'm on benefits and get paid weekly! and so therefore pay everything weekly or fortnightly, but not by direct debiticon, but by standing order! which I think is much better! But some companies will argue with you that they wont accept Standing orders either unfortunately!

    hope that helps!

    in the middle of January I was over my overdrafticon limit and and 2 Direct debits got returned to the bank, the following Friday my Child Tax Credit went in and they took the whole amount of my child tax credit! at 70, 2x 35 I rang them up and complained! and said I needed that money to pay bills and it was the only money I had but the only thing they offered me was to extend my overdraft I have a straight 100 at the minute that comes with the account! So they said they would extend it to 180 and I had to pay it off by installments every month at 20 per month on the last day of the month! anyway a week later I got my bank charges back (thanks to this site) and my Account has been in credit ever since! so at the end of January they took there first 20, and reduced it to 160, I rang them up and said because the account was in credit and asked them to take the remaining 60 off since I had the money in the account to cover it! They said they would and it would be sorted by midnight that night! anyway the next day the account was still showing with the extra 60 showing on the over draft limit!

    I never bothered again and just thought oh well they must of just left it has it was and they'll continue to take it has a reduced 20 at the end of every month! anyway the end of February and it was still showing has 60 over the limit so they hadn't took it!

    I rang them up again a few days in to March to ask what ws going on and to ask them to take the full lot off again! (Bearing in mind my account was still in credit) they said I could keep it if I wished its not a problem! But I insisted I had enough in my account to cover it etc, and wanted it taken off! So they took it all off in the end, just like that and didn't even charge me!

    The moral of this story is that If your struggling and in your overdraft, the banks will charge you more! But if your in credit and not struggling the banks wont charge you! I still cant understand why they didn't charge me for this overdraft!
    Hi there I have done same as you but my way was to set up payment through internet banking so I pay when the money comes into account, had to prove to some (gas etc) that this would work over a six month period. They were happy after this to accept payments this was. Now all talk of extra work required if not paying by DDicon,s. So now I am having to pay extra when it's two computers doing the work mine and theirs.

    all the best dpick

    cannot find it A to Z

    http://www.consumeractiongroup.co.uk...hat-youre.html


    Halifax
    Paid in full 2295

    MBNA 20/03/2008 settled in full out of court

    Capital One
    07/07/2007 Capital one charges paid in full 1666
    19/01/2008 recovered PPI 2216 + costs

    Littlewoods
    12/08/2007 write off 1176.10 debt.

    JD Williams charges refunded in full 640
    Follows
    0
    Following
    0

  15. #15
    Basic Account Holder stitch05 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    Posts
    97

    Default Re: How much the law says you need to live on

    Hi,
    As Janet-m says people are being forced to have benefits paid through banks. And as we have pay bills out of these accounts, direct debts are not the best option for some people. If like me you have several direct debts, the penalty charges will leave you with even less benefit.

    I just looked at the watchdog website, and they have a report about companies charging customers penalties for not paying their bills by direct debt. They also have a useful templateicon letter to challenge these companies if you are being charged.

    Sorry I'm still sort of new here, and not quite sure if I am allowed to post links, but the report/templateicon letter is pretty easy to find if you get onto the Watchdog website. I know I will be sending several letters!


  16. #16
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl Highly informative tawnyowl's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    By the Tower next to the sea
    Posts
    2,028

    Default Re: How much the law says you need to live on

    It looks like a lot of people are losing all trust in banks and how they treat people.Do benefits have to be paid into bank accounts- i would prefer the old way of payment at the post office. Then the vultures couldnt get their hands on it.I would rather keep any money i have got under the mattress.If anybody is reading this on Wednesday 20TH March you must watch Whistleblower tonight on BBC 1 at nine o clock. The vultures at Barclaysicon sound like they are going to be exsposed for what they are.Anybody with any claims against them put the interesticon on -they would.On second thoughts check it out first this was written when i was slightly angry. Good luck - keep the claims going in.Tawny

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)
    Follows
    0
    Following
    0

  17. #17
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    midge61 Informative midge61 Informative midge61 Informative

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2006
    Posts
    1,607

    Default Re: How much the law says you need to live on

    Hi
    if you are on benefits you can ask for a post office account. My daughter has been having trouble with HSBCicon so we have just sent first letter to reclaim. She contacted benefits and said bank kept charging her and that she no longer wanted bank account and they said fine as of next week benefit will be paid by giro until po account set up and she arranged to pay all bills in cash and not had a problem.



    Follows
    0
    Following
    0

  18. #18
    Basic Account Holder trickytrish Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2006
    Posts
    71

    Default Re: How much the law says you need to live on

    Quote Originally Posted by midge61 View Post
    Hi
    if you are on benefits you can ask for a post office account. My daughter has been having trouble with HSBCicon so we have just sent first letter to reclaim. She contacted benefits and said bank kept charging her and that she no longer wanted bank account and they said fine as of next week benefit will be paid by giro until po account set up and she arranged to pay all bills in cash and not had a problem.
    Hi Midge

    that sounds great for your daughter but please bear in mind that paying in cash or any other way than direct debiticon some companies are going to charge you for non direct debit fees unfortunatly very unfair though! I know Virgin media are allready doing this and BT are going to too! just a thought


  19. #19
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    midge61 Informative midge61 Informative midge61 Informative

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2006
    Posts
    1,607

    Default Re: How much the law says you need to live on

    Hi

    She phoned each company first and checked that they would accept alternative method without penalties first and all agreed. At the end of the day they don't want to loose custom!



    Follows
    0
    Following
    0

  20. #20
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    Posts
    4,937

    Default Re: How much the law says you need to live on

    I won't pay my bills by DDicon but I pay by standing order .They are paid on time so if I get charged the extra they are saying they will if you do not pay by DD I will be refusing to pay and asking them to justify the extra charge seen as the payment is not late .
    If a firm tells me that they won't accept a S/O then i open the account with a DD get whatever the service is but cancel it shortly afterwards and make it a S/O.I WILL pay my bills in my way and be in control of my money .As long as they get paid there is nothing they can do


    When you want to fool the world, tell the truth.

    Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
    doubts.
    Follows
    0
    Following
    0


Viewing CAG on a small screen? Switch to the mobile version of the site

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE