Thanks pt2537 i have a date they are going to charge my girlfriend which is in 6 weeks which on the letter it said 14 days two diffrent dates but ill do it for the 6 weeks date. Will they try and charge my gf another date if this letter works for the date i put on the letter ? Regards, Chris

Hello i dont think the letter on "RIGHT OF APPROPRIATION" would work They say in this letter it will be 14 days before they take any charges out. RIGHT OF APPROPRIATION EXAMPLE 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 appropriation for this money, for the following purposes; ----------------------------------------------------------------------- im not sure by putting a date on a letter would stop them taking the money out. The: Does this mean any child benfits or income support paid into her bank account cant be charged ? if your overdrawn ? The reason she was overdrawn on her account is that she had £5 in her account but there was a direct debit £6.85 for some cancer insurance which left her overdrawn by £1.85. The only money she gets is from income support and child benfits if that helps. Any chance you can go thought with it with me ? Regards, Chris

Thank you ill have a read of your links, ill post if i need more help. Thanks pt2537

Hello Consumer Action Group (Bank Lloyds TSB) My Girlfriend is Overdrawn by £1.85 they are going to charge her £30 each day, she receives Income Support is there anythink she can do to get the get the money back or stop them charging her ? Thanks Regards, Chris