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)


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  1. #41
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by JonCris View Post
    Its martins post 1 page 1 Also insert my post 21 page 2
    Thankyou JonCris, I got full refund of charges and a personal call from the bank manager to state this and appologising for the delay in the matter being delt with.


  2. #42
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    Default Re: Is the bank taking your Benefits ?

    Excellent news.

    Now go for the interest they certainly added which will have increased your indebtedness


  3. #43
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    Default Re: Is the bank taking your Benefits ?

    Jon I have tagged your additional info within the first post.
    Should make it more clearer.

    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. #44
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by JonCris View Post
    Excellent news.

    Now go for the interest they certainly added which will have increased your indebtedness
    They didnt add interest, they were going to till I stormed into my branch with letter ready in hand, they agreed under the circumstances to stop the interest from being taken too. Basically everything is fine we are not out of pocket at all now, in a way they are for paying some pen pusher to press a few buttons on a pc and a printer! Its rediculous tho they charge 38 for a unothourised OD which their charges cause then they try charging another 28 on top interest at the end of the month for the privelage of a DDicon being refused. Will stick to the halifaxicon account for now at least if the inevitable happens you have a 5 buffer zone. I just feel sorry now for all the others out there who dont know their rights as such.


  5. #45
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    Default Re: Is the bank taking your Benefits ?

    Great........Just a point when they reject your DDicon there is no human intervention it's all automatic which makes it even more of a scandal.

    Also are you sure about the halifaxicon 5 buffer. I think I read it had been withdrawn.............Thi nking aloud it might have been Lloyds. Either way be careful 1p over & you'll get hammered for unlawful penalty charges & you'll have to go through it all again

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  6. #46
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    Unhappy Re: Is the bank taking your Benefits ?

    Hi guys

    I've just read this thread and cried the whole way through. 2 years ago I had a nervous breakdown which resulted in me losing my job and basically being put onto Incapacity Benefit. Since then I've been on heavy medication and at times not really been aware of the world.

    Now I'm on the mend I've just started to look over my financial records and am dismayed - despite it clearly stating on my statements that I receive a payment fortnightly from the DWP - the bank of scotland have continued to charge me for overdrafts, interest and other charges. Just in December 06 - they charged me more than 5 times - with charges ranging from 39 - to 30.

    I'm pulling together a summary of their charges since Jan 2006 - and already it's at 916 - and thats only what I can gather from my online account - I don't have all my statements.

    Should I contact them regarding this? Do you think I'd have a chance of retrieving some of my money back. It sickens me to think that there are people like me receiving benefit for being ill and disabled and the banks are just grabbing it all without a second thought.

    Any advice appreciated. I'm in Scotland - so the previous template letter would be something I could use.

    Cheers

    L
    x


  7. #47
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    Default Re: Is the bank taking your Benefits ?

    Spend a little time & read the FAQ's to get an idea on how to proceed. Open another bank account as they will in a state of peek close your present one As you are doing that send a SARicon with a 10 postal order requesting all the data on you they hold (letter in the templates libraryicon)

    Then when you receive that you can calculate what they owe you. The same Social Security Act referred to in this thread that applies in England applies in Scotland


  8. #48
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    Default Re: Is the bank taking your Benefits ?

    Joncris thank you. I just received my benefit for the fortnight today and the bank took ALL of it. :cry:

    Will have a SARicon off to them tomorrow.

    L
    x


  9. #49
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by wakenthedead View Post
    Joncris thank you. I just received my benefit for the fortnight today and the bank took ALL of it. :cry:

    Will have a S.A.R - (Subject access requesticon) off to them tomorrow.

    L
    x
    Call the benefits agency and tell them what they have done. Then get yourself a basic account at another bank and change your benefits to go there asap. Im sure someone mentioned the BA can grab them back in situations like this. Thats what id do anyways.


  10. #50
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    Default Re: Is the bank taking your Benefits ?

    The ba will pay you via giro if you want until you can sort a bank ac out. who do you bank with ?


  11. #51

    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by wakenthedead View Post
    Joncris thank you. I just received my benefit for the fortnight today and the bank took ALL of it. :cry:

    Will have a S.A.R - (Subject access requesticon) off to them tomorrow.

    L
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    Send them the letter at the beginning of this thread a few days before your next lot is due to go in, dear.

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  12. #52
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    Default Re: Is the bank taking your Benefits ?

    As a matter of urgency (& I never usually recommend it) phone the bank, ask for the manager & politely tell them they have taken your benefits illegally (as per the act) & you would like them back NOW! If they get stroppy tell them you WILL report them to DWP then do it anyway 1st thing monday.

    Don't often say this either but the DWP can be very good in such circumstances & will often phone the bank on your behalf & advise them of the error of their ways.


  13. #53
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    Default Re: Is the bank taking your Benefits ?

    if your account is with the natwest phone their credit control and ask tell them you want to take out your benfits. they will arrange this for you. !!!


  14. #54
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    Default Re: Is the bank taking your Benefits ?

    With regard to this, has anyone reclaimed these charges and subsequently had their accounts closed?

    I know it happens when people have ordinarily reclaimed their bank charges, but is this different?


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    Default Re: Is the bank taking your Benefits ?

    Hi less2303

    I wouldn't think so because once you invoke your rights they have no way of recovering what they will claim you owe.

    Suggest a parachute accounticon just in case


  16. #56
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by less2303 View Post
    With regard to this, has anyone reclaimed these charges and subsequently had their accounts closed?

    I know it happens when people have ordinarily reclaimed their bank charges, but is this different?
    I did claim charges back recently and nothing has came of it no closed account nothing. We both have other accounts as back up anyways and if theres ever a problem the BA will issue giro's till its sorted, our benefits now go into the other account anyways since they charged us except the inland revenue ones because trying to change them is like pulling teeth.


  17. #57
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    Default Re: Is the bank taking your Benefits ?

    midnight if you are referring to working tax/child tax credits etc then you need to phone them in the evning and confirm security questions and hey presto they will change your account details if there is apayment due within a couple of days they send out a giro.


  18. #58
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by Bailiffchaser View Post
    midnight if you are referring to working tax/child tax credits etc then you need to phone them in the evning and confirm security questions and hey presto they will change your account details if there is apayment due within a couple of days they send out a giro.
    yep they changed no bother but its the child benefit section they took over, you gotta do it by post/forms etc and tbh I CBA at the time with my health. Im house bound nowso really cant be bothered with the agro.


  19. #59
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    Default Re: Is the bank taking your Benefits ?

    Hi All

    Would really appreciate some advice here, the letter on page 1 is great but what can I use if I want something to take to the bank to ask for the money back that they have already taken this month? Can I use the Scottish letter above or will they not accept that?

    I know I shouldn't be surprised but I am so angry with the bank right now, it is less than two months since we won our case with Natwest and they gave us over 3000 back in charges which had had illegally taken. I've just looked at my online banking and in the last month they have taken 420 ALONE ALL FROM OUR BENEFITS. I know your probably thinking what did we do with the money we got before but it all went on outstanding debts and the deposit for our new tenancy. From what I can tell they have charged us 3 times for one cheque that bounced (same chq serial number 3 times over) and it can't be that the company has put the same chq in over and over because its in the space of about a week. I really need something that I can take up to the bank tomorrow to demand they give us the money they have taken this month. I am also going to phone the DWP first thing in the morning to see if they can help. Any advice would be appreciated.

    Thanks

    Mandy


  20. #60
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    Default Re: Is the bank taking your Benefits ?

    Read carefully !!!!!!!!

    if you phone up natwests credit control dept and speak to them they will let you take all of your benefits out over the counter. You donot need any letters etc just a qucik phone callicon to them. If you have a debt on the account talk natty into delaying it for a month etc. trust me this does work.


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