!!PLEASE help with hsbc taking *£150* a month in charges out of benefits

[Castlebest]

Hiya Chris, they are using the same argument against your allegations as they do against general unlawful bank charges i.e. if you call it something else it will confuse the customer and they will think your right and go away.

I would write to them telling them that whatever they call their penalty charges they are still governed by the social security act, tell them you are giving them 14 days to repay the charges or you will submit a claim to the county court to recover the unlawfully taken money and do just that.

 

As you are using the social security act you wont have to worry about the test case so you have nothing to lose.

 

here's the CAG thread on banks taking benifits http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

pete

[Castlebest]

Hiya Chris, as UK says open up another account to actually run your finances and your life from, and submit your claim to the county court against HSBC.

 

I wouldn't worry about the charges (overdrawn balance) building up because the more charges they add the larger your claim (or second claim) gets and the only way they can recover this legally is to get a judgment in court.... and thats exactly where we want to go too .

 

pete

[Castlebest]

I My problem is that my original claim was based on the Social security admin law which i now know is not applicable

 

Hiya Gwarpt1, who's told you this?

 

pete

[Castlebest]

Yes I can see Stevens point about using soley the Socialy Security Act in a court room however I would still say the deduction of any amount that you dont agree with from a benifit payment is questionable and if you add the unfair terms and conditions statutes to this it will make a very strong claim.

 

pete

[Castlebest]

Hiya both, here's the full list of what the banks are offering with minimal or no checks, all pretty basic but you have to have a bank account of some sort in todays world and it helps if your bank doesn't remove all of your money as soon as its paid in.

 

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

 

good luck

 

pete