Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


Results 1 to 17 of 17
  1. #1

    Exclamation I am new to this and need help with bank charges and benefits

    Hi
    I have recently read that the banks cannot take charges from benefits. Does anyone know which benefits tese are, what I do if I have had charges taken from benefits and if anyone has successfully claimed using this argument?

    please help
    vicky66

    Similar Threads:

  2. #2

    Default Re: I am new to this and need help with bank charges and benefits

    Hi Vicky and welcome to the forum. There is lots of help on this subject available but just for starters, while I have a look for some more info for you, have a look at this post by Jailbird on another thread this morning.

    Found this on MSE........may be helpful

    Q: What else can I do if I am living on benefits?
    A: If you rely on benefits for your main income, such as Income Support or Job Seekers Allowance, there is still possibly a way you can claim; though it relies on a slightly different law. All past claims have been based on contract laws but there is another law called the Social Security Administration Act 1992, which says that banks must not take charges from benefits as this money is needed for a person to live on.
    If you are in this situation, contact your bank to tell them that you are living on benefits and it should process your compliant. If it still does not help, contact the Financial Ombudsmanicon, but make sure you tell it that you are receiving benefits and your case will be dealt with.

    Chris



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  3. #3

    Default Re: I am new to this and need help with bank charges and benefits



    Welcome to the Consumer Forums
    Free advice and support to to solve your consumer problems.
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    Which guide to the Sale Of Goods Act

    New advice guide explains credit card rights

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    ARE YOU A VICTIM OF COWBOY BUILDERS?

    Has your RBS account been transferred to Santander?

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  4. #4

    Smile Re: I am new to this and need help with bank charges and benefits

    Thanks for the info so far, I dont know how to go about tackling the bank to reclaim charges which they have taken from my benefit (working families tax credit/ child tax credit) as I dont want to get it wrong! I think it that the claim is not covered by the waivericon but I am not sure
    thanks
    vicky66


  5. #5

    Default Re: I am new to this and need help with bank charges and benefits

    I think you are right about a claim involving benefits not being affected so just start you claim as normal. I will post a link for you now. You will probably be exempt from court filing fees and will have to claim using the n1 form direct with the court.
    Have a read of the newcomers thread ( i will post it for you in a second) and it will guide you step by step. Just come back and ask any questions you have along the way!



    Welcome to the Consumer Forums
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    Which guide to the Sale Of Goods Act

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  6. #6

    Default Re: I am new to this and need help with bank charges and benefits

    Click Here For The New Version

    This is the newcomers guide!



    Welcome to the Consumer Forums
    Free advice and support to to solve your consumer problems.
    You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

    Which guide to the Sale Of Goods Act

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    ARE YOU A VICTIM OF COWBOY BUILDERS?

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  7. #7

    Question Re: I am new to this and need help with bank charges and benefits

    I have already put in a claim before the waivericon using the usual letter templates. Now the waiver is in place is the fact that i have already put in a claim going to affect my claim for them taking monies from my benefit I am worried that I have messed this up! Also can I add in chrges that I havs incurred since I sent my original letter? Sorry if i am being a pain.
    vicky66


  8. #8

    Default Re: I am new to this and need help with bank charges and benefits

    Sorry Vicky I am a bit confused here!You have a claim in progress and you want to start another claim against them for taking charges from you benefits? Is that about it?



    Welcome to the Consumer Forums
    Free advice and support to to solve your consumer problems.
    You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

    Which guide to the Sale Of Goods Act

    New advice guide explains credit card rights

    Help the CAG!!
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    ARE YOU A VICTIM OF COWBOY BUILDERS?

    Has your RBS account been transferred to Santander?

    Forum rules. Please read these before posting

    PLEASE CHECK OUT THE CAG LIBRARY!! IT HAS LOADS OF USEFUL STUFF IN THERE. CLICK HERE
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  9. #9

    Default Re: I am new to this and need help with bank charges and benefits


  10. #10

    Default Re: I am new to this and need help with bank charges and benefits

    I have a claim which is on hold because of the waivericon, however the charges that I have claimed have been taken from the account my benefits are paid into. therefore I was just trying to find out if I could continue with the original claim because of the fact that I am on benefits, without waiting for the oft case to go through the courts. sorry if it sounds confusing, thats probably because I am confused too.
    vicky66


  11. #11

    Smile Re: I am new to this and need help with bank charges and benefits

    thanks to everyone that is trying to help me
    vicky


  12. #12

    Default Re: I am new to this and need help with bank charges and benefits

    So yor case has been stayed pending outcome of the test case?
    Have you received confirmation in writing from the court?



    Welcome to the Consumer Forums
    Free advice and support to to solve your consumer problems.
    You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

    Which guide to the Sale Of Goods Act

    New advice guide explains credit card rights

    Help the CAG!!
    Make a donation


    ARE YOU A VICTIM OF COWBOY BUILDERS?

    Has your RBS account been transferred to Santander?

    Forum rules. Please read these before posting

    PLEASE CHECK OUT THE CAG LIBRARY!! IT HAS LOADS OF USEFUL STUFF IN THERE. CLICK HERE
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  13. #13

    Re: I am new to this and need help with bank charges and benefits

    No I have not. After much stalling by HSBC I was just getting to the stage of starting court proceedings when the waivericon and court case was announced. I have since spoken to my bank who said that my file was now on hold until the case has been heard. I have not heard formally from the bank in writing that this is the case although they said I would be sent a letter to confirm this. I then read that about the fact that they couldnt take money from benefits and so therefore was trying to find out if I could continue to claim the money by a differant means. But I want to be clear that I can do this as the banks dont need much of an excuse to say that the way I have gone about things are wrong!


  14. #14

    Arrow Re: I am new to this and need help with bank charges and benefits

    I think to be fair that I have probably done this all wrong from the start! I should have come on here first and read up on what to do instead of listening to friends who advised me because I didnt in my original claim include all charges that I should so therefore having added them up again they now are more than I originally claimed! So I think that I have completely messed this up and I dont really know what to do anymore. I just need some guidance and confirmation of the benefits issue. You probably think I am a real pain but need your help and you seem to know what you are talking about.
    vicky


  15. #15

    Exclamation Help!

    I have got my statements, sent my claim letter using friends advice. THEN joined the forums and have found out that I have not claimed all that I could (didnt include total charges) have realised that I have asked HSBC for less than I could have. They have my letter with total I have claimed and I dont know if I can or should send an ammended one with a higher amount on it. I am also on income assessed benefits and have also found out on here that it is unlawful for them to take money from benefit. So I now have a differant tack to approach them with but dont know if I can as I have already sent them a letter claiming the money. I think I may have messed up BIGTIME and would like anyones help with where I should go from here.

    cheers


  16. #16

    Default Re: I am new to this and need help with bank charges and benefits

    Ok can you list in order your actions so far please.
    If you have filed the claim at court already you can amend the claim, this will cost 35 which you can not reclaim. You would need to use the N244icon which is in the template libraryicon.
    We can advise further when you list your actions.

    Ps. I have merged your threads please stick to this thread.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
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  17. #17

    Arrow Re: I am new to this and need help with bank charges and benefits

    Hi,
    I contacted Hsbc asking them for statements. I then sent them a letter reclaiming charges. They then wrote to me asking for a detailed breakdown of charges claimed. I did this and rang them after the waivericon announcement and was told my claim is logged with them but will not be dealt with until after the big court case. I have since read these forums and have realised that I have not claimed all that I should have ( I didnt include total charges) and dont know if I can now amend the amount with HSBC. I have also read that if you are on income assessed benefits that the banks cannot take charges from them. The sole money going into the account since July 05 hasbeen from benefits. I dont know if I can now change tack and claim the same money back using a differant reason. hope this explains where I am at now.
    thanks for replying
    vicky



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