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.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Is the bank taking your Benefits ?

    There have been several reported cases of Banks taking charges from accounts that have benefits paid into them by DWP and Social security.thus leaving them with little or no money.
    Here is a template letter to take or send to the bank to address this.
    It is important to let the bank have this BEFORE you expect to have funds paid in by DWP or the Inland revenue.
    A new letter should be sent for each payment that you expect to be protected,customise as required by adding the benefit/type of payment.




    right of appropriationicon

    Dear Sir/Madam,
    ACCOUNT NUMBER: xxxxxxxxx

    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 appropriationicon 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.

    Yours faithfully,

    [signature]

    [print name)

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    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
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  2. #2
    Basic Account Holder
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    Isiris Informative Isiris Informative Isiris Informative Isiris Informative



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    Default Re: Is the bank taking your Benefits ?

    Excellent Post Martin

    And just some info for perusal
    http://www.adviceguide.org.uk/nm/c_b...TION%20bank%22


  3. #3
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    Default Re: Is the bank taking your Benefits ?

    Likewise a good reference from you.


    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  4. #4
    Battleaxe
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    Default Re: Is the bank taking your Benefits ?

    Does this also apply to my Pension? paid by the Aussie Govt via DWP?


  5. #5
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    Default Re: Is the bank taking your Benefits ?

    I would expect this to apply to that too yes.
    Its not specifically for benefits.....the nature of the letter is to let the bank know that you need the money for essentials......this would be regardless of where the money is from.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  6. #6
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    Default Re: Is the bank taking your Benefits ?

    Martin

    Would you read it that it can be any source of income not only benefits ??


  7. #7
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    Default Re: Is the bank taking your Benefits ?

    Whoops, crossed in the post


  8. #8
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    tarotcards Novitiate



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    Default Re: Is the bank taking your Benefits ?

    Hi. This is BRILLIANT ....BUT....will it work??....and similar to myself with our Bank.. they have taken nearly all our Benefits that are payed into this account directly as charges.....can I claim this back with a little amendmenticon to your letter......They have left us with nothing and not even paying d/d with the monies ther for them but instead has taken it for their charges. I have written to the DIRECTOR of the Bank and have relayed my concerns over the telephone but nothing has happened..YET.. and I am going back some weeks now..havew sent a Thread about this,previously. Thanks for any info


  9. #9
    HUSBANDKHAN
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    Default Re: Is the bank taking your Benefits ?

    you are champion. had a problem this week with 2 * £30 being deducted because 2 debit card trans for £4.59 and £3.49 debited on diffrent dates and went overdrawn and over the buffer of £5.00.


  10. #10
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by tarotcards
    Hi. This is BRILLIANT ....BUT....will it work??....and similar to myself with our Bank.. they have taken nearly all our Benefits that are payed into this account directly as charges.....can I claim this back with a little amendmenticon to your letter......They have left us with nothing and not even paying d/d with the monies ther for them but instead has taken it for their charges. I have written to the DIRECTOR of the Bank and have relayed my concerns over the telephone but nothing has happened..YET.. and I am going back some weeks now..havew sent a Thread about this,previously. Thanks for any info
    The only words they understand is those with a legal slant to them
    There is no reason why it should not work and has indeed worked for many.
    The fact that you have brought this to their attention and informed them as such has an effect.Though I suspect there will be an assesment made as to whether allowing you to have access to your money is preventing hardship
    if by taking your money this leaves you vulnerable to your ability to function or causes hardship in your household I think there is a case to allow it.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  11. #11
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    Default Re: Is the bank taking your Benefits ?

    I belive that when the banks take bennifits. that the dwp can take back off the back.
    as when i had problems and asked the dwp to not make any payments too the bank
    I was aske if they had grabed any and if i wanted them to swipe it back.

    edited......please we cant use these words !!!

    and what ones are they ?


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  12. #12
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    cadencealex Novitiate



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    Default Re: Is the bank taking your Benefits ?

    Is this true? I am sick of the bank taking money meant for our daughter and child tax credits - we don't see them at all.


  13. #13
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    Default Re: Is the bank taking your Benefits ?

    It appears so.
    To be honest I was not aware of this until now but my enquires reveal that DWP can indeed have some influence there.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  14. #14
    Battleaxe
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    Default Re: Is the bank taking your Benefits ?

    My pension got paid into the bank account we are having problems with, i sent the letter of appropriationicon to the bank,recorded delivery (letter in templates libraryicon)they rang me on receipt of the letter to discuss this. Got the pension intact, the bank did not like it, but it worked. I rang DWP and explained what was going on and arranged for my pension to go into my parachute accounticon. DWP said they could help if I wanted the pension still to be paid into the account in dispute, but think having it paid into a different account is better for me.


  15. #15
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    Default Re: Is the bank taking your Benefits ?

    Good to hear you have got things sorted....

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  16. #16
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    MCBIRNIE25 Novitiate



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    Default Re: Is the bank taking your Benefits ?

    A superb post Martin.
    DWP can influence a little if you speak to them.
    Also, for benefits, set up a post office account immediately so this source of income is protected if your money is constantly being taken.
    This account can be opened upon request in any benefits office/jobcentre.


  17. #17
    HUSBANDKHAN
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    Talking Re: Is the bank taking your Benefits ?

    Post office account good idea. i wrote to barclays it is now 9 days and have had no reply to this letter.


  18. #18
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    MCBIRNIE25 Novitiate



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    Default Re: Is the bank taking your Benefits ?

    HusbandKhan,
    why not make an appointment with the bank to go discuss?
    I'm sure they would love that...


  19. #19
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    Default Re: Is the bank taking your Benefits ?

    Not really a good idea as its likely that there will be 2 of them in the room with you......they tend to do this as intimidation and know that you wont feel comfortable.
    Best keeping things to the written letter,that way you avoid the confrontation but still get the result.
    Dont forget a letter of appropriationicon needs to be sent for every payment you want protecting.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  20. #20
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    therafalution Novitiate



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    Default Re: Is the bank taking your Benefits ?

    This happened to me earlier this year. I had gone overdrawn with my bank and they took my JSA to cover that and charges. The way they are acting is a dsigrace, this site has really opened my eyes to the abuses these banks are making.


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