Thread: Abbey bank charges

Hi all,

The question I have concerns charges being taken from somebody on income support.

My daughter is a single parent and has been on income support for 6 years all of her payments from DWP go into her Abbey bank account and on several occasions during this time she has had charges added to her account for insufficient funds. I have been told that these charges that have been taken by the bank are in effect illegal, is this correct? if so what steps does one take to reclaim the charges?

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Originally Posted by sea-sidelady

There is a guide in my signature how to take the steps to getting them back, it also includes all the letters you will need. If you need any help along the way, just ask.

Here is a letter to send to the bank BEFORE they take a charge from her benefits, but the banks do tend to ignore them, in which case you can report them to the fos.

http://www.consumerforums.com/resour...ng-your-money-

Hi,

Thank you for your quick reply. From what I've. seen on this forum this letter would have to be sent to the bank each time a payment is paid into my daughters account.

I recently copied a letter (Penalty and Unfair Charges) from a forum to get her charges refunded. The Social Security Act 1992 states that banks cannot take charges from benefits a person needs to live on.

Abbey responded to this request by saying that all claims for bank charge refunds are on hold pending the result of a test cast in the high court.

I think that Abbey have missed the point somewhere as my daughter is refering to the Social Security Act 1992.

Banks can take bank charges from customer on benefits just as they can from a person on wages.

The social security act 1992 is often confused over bank charges on current accounts.