Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
i am at present on benifits , but i am unable to get them as the bank charges just eats up all the money the bank wont help just offer me a tempory overdraft which was no use as they let cheques go through wuich i thought i have cancelled now every thing is bouncing all over the palce , i have a young child i cannot afford to feed or i am unable to heat the house as i have no money to put in the metres , i had to move in with my mother over the last 3 weeks and its driving me crazy , i have just checked my account and all this non spending has put me bacvk to where i started i am in tears , the bank charges just seem to be coming , can the banks keep your benifit , is it legal to keep all the money nowing that there is no other means of living , can some one please advise me i have had money problems in the past and i dont think another bank will accept me as it seems to be on credit scoring these days please advise me thanks
HI Amberbear,
the bank should not take your benefits, the benefits you receive are the minimum ammount needed to live and survive. Heres a letter of appropriation you need to send to your bank, it needs ammending slightly to your needs but its self explanatory really. Hope this helps!
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.
You may also wish to insert the following in your letter to the bank.
Social Security Administration Act 1992 Miscellaneous Certain benefit to be inalienable **
187- Subject to the provisions of this Act, every assignment of, or charge on-
(a)benefit as defined in section 122 of the Contributions and Benefits Act;
(b)any income-related benefit; or
(c)child benefit,
and every agreement to assign or charge such benefit shall be void; and, on the bancrupcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors
Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.
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i am at present on benifits , but i am unable to get them as the bank charges just eats up all the money the bank wont help just offer me a tempory overdraft which was no use as they let cheques go through wuich i thought i have cancelled now every thing is bouncing all over the palce , i have a young child i cannot afford to feed or i am unable to heat the house as i have no money to put in the metres , i had to move in with my mother over the last 3 weeks and its driving me crazy , i have just checked my account and all this non spending has put me bacvk to where i started i am in tears , the bank charges just seem to be coming , can the banks keep your benifit , is it legal to keep all the money nowing that there is no other means of living , can some one please advise me i have had money problems in the past and i dont think another bank will accept me as it seems to be on credit scoring these days please advise me thanks
All you have to do is close the bank account down OR put a stop on all direct debits and standing orders going out of your account as a temporary measure.
Your prime concern is to feed your self and your child, and of course keep a roof over your head.
Make an appointment to see your bank manager and demand that these payments are cancelled - DONT phone them up, you will get a lot further by going to see them and you need to freeze all payments going out of your account - but do make sure to pay your bills - prioritise what is important, and also make an appointment to see a benefits advisior to see if you are entitled to any further help - dont allow the stress to get you down. - i wish you all the best
HI
Sorry to hear your troubles.I believe you can contact the benefits officeand explain your situation and ask for a post office account for your benefits to be paid into and they will pay by giro in the interim. Then cancel all dds etc at your bank and start the process of claiming the charges back by sending a SAR.
At least that way you will have your money for you and your child.
Good luck
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DO NOT say you are from CAG-only directly affected or a concerned citizen. 1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633 2. CH : Lee Jenkins(prosecuting Amany Attia for SPML/PML) @ 02920 380 643 3. CH : Mark Youde(accounts compliance) @ 02920 380 955 4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108 (part of the Insolvency Service) investigating all the Lehman lenders 5. CIB : Jeremy Pilcher('unofficial'-consumer/company law) : @ 0207 637 6231
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Oh Amber, this is so sad to read, and I am wondering if these banks are going to be charged and held accountable for what they have been doing to people?
If any other business conducted themselves in these unhumain manners, I believe that they would have been taken to court and charged years ago.
So when are they going to be charged?
They are in effect fleecing the general public, and as far as I am aware, that is a criminal activity!
I hope you have a happy ending Amber, and get all your charges back from them!
Best Wishes
Cally X
bank charges
which was no use as they let cheques go through wuich i thought i have cancelled now every thing is bouncing all over the palce , i have a young child i cannot afford to feed or i am unable to heat the house as i have no money to put in the metres , i had to move in with my mother over the last 3 weeks and its driving me crazy , i have just checked my account and all this non spending has put me bacvk to where i started i am in tears , the bank charges just seem to be coming , can the banks keep your benifit , is it legal to keep all the money nowing that there is no other means of living , can some one please advise me i have had money problems in the past and i dont think another bank will accept me as it seems to be on credit scoring these days please advise me thanks
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Originally Posted by amberbear
