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. #1001
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    Default Re: Is the bank taking your Benefits ?

    banls are refusing to wave charges i know that and the dwp are not givinng crisis loans its utter madness.

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  2. #1002
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    Default Re: Is the bank taking your Benefits ?

    Maybe there are regional policies then ?
    I have written to the Social Security minister asking for a response.

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  3. #1003
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    Default Re: Is the bank taking your Benefits ?

    if its regional policys then this is summing that needs looking at.

    Iam not being funny but as u can understand we have familys in this area that are still waiting over 16 weeks since being made redundant that have had NO money and being told to claim back all bank charges to get money.

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  4. #1004
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    Default Re: Is the bank taking your Benefits ?

    Okay everyone I'm going to give you some personal details about 'me' here....

    What with being un-employed for way too long I became depressed. I visited my GP who was so concerned she called me the next day and made an appointment for me with a counsellor. So I went to the appointment and after 2 weeks got a letter. The letter said that as they could not communicate with me by post (amazing as I was reading their letter) or phone and my appointment and case was closed. My GP also got a copy and I called to explain that I attended the appointment!
    It transpired that the 'nutter' (as I call them in jest) department had ticked the wrong box and sent out (of course) the wrong letter! What shocks me is that whilst I never did take the tablets eventually prescribed to me, that if I was a vunerable person, I'd probably have 'topped' myself and no one would care!! The start to finish stuff took all of 6 weeks!
    If we translate that to the DWP and banks we see the same evidence in that too. They do not care, could not care and ... wished you like, went away/vanished.
    Michael
    (now feeling on top of the world but still poor and un-employed)

    When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)
    --I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--
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  5. #1005
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by The GodMother View Post
    if its regional policys then this is summing that needs looking at.

    Iam not being funny but as u can understand we have familys in this area that are still waiting over 16 weeks since being made redundant that have had NO money and being told to claim back all bank charges to get money.

    I agree GM and know you are not being funny-theres nothing funny about what you speak of.
    But I can assure you that I know of at least 3 people who have had crisis loans recently followinghaving no money because the bank took it for charges-in fact I am personally assisting two with fosicon complaints to get the charges back...so have seen the paperwork.

    I saw today a post in the general forum (Hardship applications) where there are people who have made complaints to the FSA questioning waivers where banks are not being compliant.
    If everyone complained then things would change-they would be forced to look at it.
    I have had involvement in quite a few hardship requests and Lloyds come out way in front as the worst culprits for ignoring them.
    From experience halifaxicon BOS are prob the most compliant-but only when its clear that you HAVE gone to the FOS.
    Amazingly theres many been put off doing it because of the bad vibes and publicity-despite the FOS taking on more peeps to handle increased complaints.
    But I take your point.....there should be no need to be involving regulators when the waivericon criteria already spells things out.
    they have all been taking the p**s just as they have been doing with the charges themselves for years.

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  6. #1006
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by InformedSearcher View Post
    ....and I'm afraid that's the voluntary things as banks use and see them (to their advantage). The DWP could well have suggested something but as I've dealt with them, they have no interest and their interest does not surprise me.
    However a visit to a branch and a face to face talk might be a good idea. If you find things not going your way and they will not budge then you can always resort to the 'raised voice' method when stating they have stolen your benefits. If there's one thing a bank dislikes it's that of others hearing how they treat people. You could of course refuse to leave the bank unless they refund your money as a last resort.
    It's quite ironic that taxpayers money supported the bank only to find the same taxpayers money is charged in fees. Again it comes down to what's fair and what's not fair and who decides and in this case it's the bank themselves!
    I can still remember a few years ago when a bank upset someone. They took legal action and the court was in their favour. As the respective bank did not conform the baliffs arrived and began removing items - they conformed within a few minutes after that. Wish I knew where the story was now.
    Michael
    (having flashbacks of his DWP under caution interview)

    Ive neen in several times and just basically been told to go away!! Ive been going round i circles with them now for over a month with ltters. there latest is asking for a breakdown of my in/out goings even though i sent them that with the original letter which got ignored. Ive told them i will expect there next letter to be there final responce then its off to the Ombudsmanicon.


  7. #1007
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by zararh View Post
    Ive neen in several times and just basically been told to go away!! Ive been going round i circles with them now for over a month with ltters. there latest is asking for a breakdown of my in/out goings even though i sent them that with the original letter which got ignored. Ive told them i will expect there next letter to be there final responce then its off to the Ombudsmanicon.
    Seriously I have experienced it and they are not really bothered! OTOH if all the people aggreived made a stance they would look up and listen.
    I have a good friend who tells me she has been 'cheated' as she sees it BUT will not say a word. I'm afraid that banks reply on this to win the day.
    The end result is that of letters and replies by standard template design. Personally I think writing a 'screed' (as I normally do) makes no difference than simply sending a letter saying 'I do not agree'. The reply is just a emplate letter that is rather generic than relevant to your initial complaint. They just tell you to 'whatever' with the belief you will get bored and do nothing - and that's the real problem!
    Michael

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    --I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--
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  8. #1008
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    Default Re: Is the bank taking your Benefits ?

    well ive had it all before with halifaxicon. It took me six months of going round in circles but i got 700 odd back in the end. I just basically said to the woman in the branch if you look at your records you will see i am not just going to go away so why not just make it easier and pay it back now?! lol she wasnt impressed. but yeah im not gonna give up or get bored


  9. #1009
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    Default Re: Is the bank taking your Benefits ?

    Always worth keeping in mind - if you have them in your area - Credit union accounts. Take the business away from the banks if at all possible.

    If any one finds this works for them it may be worth posting to help others.

    Oh for the days when My parents got paid - split the money into tobacco tins for bills and spent what was left. And my dad was very poorly paid. I dont like the fact that we are all pushed in to using DDicon - To me as long as a bil is paid why should it matter how it is done?

    Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
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    offer from A&L 24/8/07 - after case stayed

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  10. #1010
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by jansus View Post
    Always worth keeping in mind - if you have them in your area - Credit union accounts. Take the business away from the banks if at all possible.

    If any one finds this works for them it may be worth posting to help others.

    Oh for the days when My parents got paid - split the money into tobacco tins for bills and spent what was left. And my dad was very poorly paid. I dont like the fact that we are all pushed in to using DDicon - To me as long as a bil is paid why should it matter how it is done?

    ideed and most companies charge you if you dont use direct debiticon!!!


  11. #1011
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    Default Re: Is the bank taking your Benefits ?

    We bank with Nationwide,and are trying to claim our charges back due to financial hardship,now made a complaint to the FOS as Nationwide keep fobbing me off with excuses as to why its not been resolved but they have stopped taking charges out of our benefits.
    Last letter received from them stated "The Financial Services Authority allows us 8 weeks to investigate before you have the right to ask the Financial Ombudsmanicon to reveiw your case.This ends on 4 th October(original complaint made on the 21st July) and we expect to be able to reply to you by then if not sooner.".....guess what?...not a dickie bird from them.


  12. #1012
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by greendollar View Post
    We bank with Nationwide,and are trying to claim our charges back due to financial hardship,now made a complaint to the FOS as Nationwide keep fobbing me off with excuses as to why its not been resolved but they have stopped taking charges out of our benefits.
    Last letter received from them stated "The Financial Services Authority allows us 8 weeks to investigate before you have the right to ask the Financial Ombudsmanicon to reveiw your case.This ends on 4 th October(original complaint made on the 21st July) and we expect to be able to reply to you by then if not sooner.".....guess what?...not a dickie bird from them.
    No suprises there!!! I would close my bank account if i didnt need it. The post office account is a bit of a joke you can use it to get your benefits payed into BUT you cant get your housing benefit payed into it. So its sort of pointless


  13. #1013
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    Default Re: Is the bank taking your Benefits ?

    You could always change banks. Most banks operate a basic account which anyone can open, although they don't generally allow overdrafts, but that's no bad thing.


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  14. #1014
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by greendollar View Post
    We bank with Nationwide,and are trying to claim our charges back due to financial hardship,now made a complaint to the FOS as Nationwide keep fobbing me off with excuses as to why its not been resolved but they have stopped taking charges out of our benefits.
    Last letter received from them stated "The Financial Services Authority allows us 8 weeks to investigate before you have the right to ask the Financial Ombudsmanicon to reveiw your case.This ends on 4 th October(original complaint made on the 21st July) and we expect to be able to reply to you by then if not sooner.".....guess what?...not a dickie bird from them.
    The real problem with Financial Hardship claims is that totally voluntary in respect of the bank to give you anything. With the stay in place they will tell you they will follow guidelines (FSA section 14 from memory) however sadly there's nothing that can force them to give you anything if they decide they don't want to.
    Michael

    When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)
    --I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--
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  15. #1015
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by InformedSearcher View Post
    The real problem with Financial Hardship claims is that totally voluntary in respect of the bank to give you anything. With the stay in place they will tell you they will follow guidelines (FSA section 14 from memory) however sadly there's nothing that can force them to give you anything if they decide they don't want to.
    Michael
    yep the whole situation is one big farce!! what annoys me is were now not allowed to claim the charge back until the court case goes ahead yet the banks can still charge!!


  16. #1016
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    Default Re: Is the bank taking your Benefits ?

    I am tired of the bank taking money and I don't have enough benefits

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  17. #1017
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    Default Re: Is the bank taking your Benefits ?

    this is something that could help a great deal but it appears that the debt collectionicon company kpr have a no withdrawals order on my account.
    kpr are acting for nationwide on a seperate account (creditcard)


  18. #1018
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    Default Re: Is the bank taking your Benefits ?

    Hi Demeaned, and welcome to CAGicon.

    If you haven't got enough money coming in (from benefits or anywhere else) the bank cannot start taking it. If you look at my post 993 above it lists the things you must be allowed to pay before they can start to take your money.

    You could open a basic bank account and get payments made into that instead.

    zararh, you could still get a basic bank account for the housing benefit and pay it straight out of that account, even if you use the the post office account for everything else.

    DDicon


  19. #1019
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    Default Re: Is the bank taking your Benefits ?

    Quote Originally Posted by Desperate Daniella View Post
    Hi Demeaned, and welcome to CAGicon.

    If you haven't got enough money coming in (from benefits or anywhere else) the bank cannot start taking it. If you look at my post 993 above it lists the things you must be allowed to pay before they can start to take your money.

    You could open a basic bank account and get payments made into that instead.

    zararh, you could still get a basic bank account for the housing benefit and pay it straight out of that account, even if you use the the post office account for everything else.

    DDicon

    Hi,

    I find this wholely depends on if the banks want to listen, in my case halifaxicon wont. They took 70 of my 90 income support Monday.... of which I should of paid 60 towards my rent account that is in arrears and by court order ! was told, in no uncertain terms.. tough, charges stand. They even took the charges before my benefit went in to ensure I had to pay it.


  20. #1020
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    Default Re: Is the bank taking your Benefits ?

    I think what 'Desperate Daniella' said probably sums it all up!

    Open a basic account (definate) - if you google you'll find many sites with comparison lists. If it's possible try not to have Direct Debits or Standing Orders applied. I have both a LoydsTSB and Co-Operative basic account after my bank told me they'd be closing our account - they still have not but that's academic. Both LloydsTSB and the Co-Operative allow over the phone bank account opening with a zero balance. Be aware that the Co-Operative will request you NI number and will also enter data onto CRAicon's.

    As '2ltr16valve' (I like that name lol) said it all depends on how the bank listens (and sees cash entering/leaving the account). As I mentioned earlier there is nothing to 'force' a bank to entertain a Financial Hardship claim if they do not want to.

    Michael
    (who will now get off his soapbox)

    When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)
    --I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--
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