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.

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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.

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  1. #1
    Basic Account Holder englands.glory Novitiate



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    Unhappy Charges From Benefits?

    Approximately 8 months ago I went slightly overdrawn on my account overdraft of £200: £3.12 = £203.12… for this the RBSicon charged me £28.00!

    Due to the nature of my finances at present, ‘Incapacity Benefit’ paid directly to my bank account: there is never enough money going into the account to bring me out of my overdraft: so each and every month now… charges are added which take me back over my overdraft limit, to then which charges are added again the following month… so on and so forth!!

    Are these charges Legal… and what are the rules/laws with regards to taking charges from State Benefits? Thank you.

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  2. #2
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  3. #3
    Basic Account Holder englands.glory Novitiate



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    Default Re: Charges From Benefits?

    Ty for your reply.... As they keep taking out the charges... they keep making me go over my limit...which means they charge me again the following month!!When I have worked it out, I will be claiming 'All' back


  4. #4
    Basic Account Holder Perseus Informative Perseus Informative Perseus's Avatar



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    Default Re: Charges From Benefits?

    http://www.consumeractiongroup.co.uk...-benefits.html
    This is an excellent place to read up on what you can do to stop these charges from benefits.
    templatesicon, statutes to quote and some members with experience in sorting this problem out.

    All the best
    Perseus

    If my advice has helped, please click on my scales. Thank you!

    MBNA - CRA file to be cleared then finished!
    _________________________ _________________
    Abbey Personal - Final LBA 28/5/7 - then Court
    _________________________ _________________
    Capital One - Final LBA 28/5/7 - then Court
    _________________________ _________________
    GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.
    Waiting for GMAC to provide breakdown of charges and CCA under s79
    _________________________ _________________
    Alliance & Leicester - Final LBA 28/5/7 - then Court.
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  5. #5
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    Default Re: Charges From Benefits?

    Eg, the best thing you can do to begin with is open a new bank account and have your income paid in there instead then let the old account rot whilst you start the process of claiming back your charges.

    If you can't set up another bank account, you can have your benefits paid to the post office.

    No point in you losing out on your benefits for unlawful charges now is there?

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  6. #6
    Basic Account Holder Perseus Informative Perseus Informative Perseus's Avatar



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    Default Re: Charges From Benefits?

    It would also be in your interest to make an offer of repayment on the overdraft you have there, and to confirm that the account is in disputeicon, that way they cannot (or should not) foreclose on the overdraft/default you/involve a debt collectoricon agency to recover.

    P

    If my advice has helped, please click on my scales. Thank you!

    MBNA - CRA file to be cleared then finished!
    _________________________ _________________
    Abbey Personal - Final LBA 28/5/7 - then Court
    _________________________ _________________
    Capital One - Final LBA 28/5/7 - then Court
    _________________________ _________________
    GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.
    Waiting for GMAC to provide breakdown of charges and CCA under s79
    _________________________ _________________
    Alliance & Leicester - Final LBA 28/5/7 - then Court.
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  7. #7
    Basic Account Holder HydraUK Novitiate HydraUK's Avatar



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    Default Re: Charges From Benefits?

    Did anyone notice this thread is 9 months old? And the OP has only made 4 posts, 2 of them here....?

    Must have been about 20 pages in....Perseus has been digging up bones I think.

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  8. #8
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    isidore Informative isidore Informative isidore Informative isidore's Avatar



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    Default Re: Charges From Benefits?

    Lmao!!! What the bloody hell made you respond to him perseus?!?!?

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  9. #9
    Basic Account Holder Perseus Informative Perseus Informative Perseus's Avatar



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    Default Re: Charges From Benefits?

    LMFAO!
    Do you know what, I haven't got a bloody clue... more to the point, I don't even know how I came across the thread...
    Sorry peeps :o

    P

    ....skulking off into the sunset feeling slightly bewildered and wondering what to do next....

    If my advice has helped, please click on my scales. Thank you!

    MBNA - CRA file to be cleared then finished!
    _________________________ _________________
    Abbey Personal - Final LBA 28/5/7 - then Court
    _________________________ _________________
    Capital One - Final LBA 28/5/7 - then Court
    _________________________ _________________
    GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.
    Waiting for GMAC to provide breakdown of charges and CCA under s79
    _________________________ _________________
    Alliance & Leicester - Final LBA 28/5/7 - then Court.
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  10. #10
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    isidore Informative isidore Informative isidore Informative isidore's Avatar



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    Default Re: Charges From Benefits?

    Bleeding spammer

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  11. #11
    Basic Account Holder HydraUK Novitiate HydraUK's Avatar



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    Default Re: Charges From Benefits?

    Quote Originally Posted by Perseus View Post
    feeling slightly bewildered and wondering what to do next....

    Hey, welcome to MY world, dude.

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