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    • So, the two child benefit cap is going to (rightly or wrongly) be a big issue, with the care of kids undoubtedly taking second place to political point scoring  ... Some think that parents should be responsible for kids, and the state pay as little as possible else the parents will just use having kids (which they then neglect) as a means of income for them to spend on fags and booze. Some think that benefits should be effectively there for anyone whatever the circumstances.   So what do people think might be some sort of solution?   I think that both those stances are extremes,  and you can be sure of just a few things 1. Neither or any approach fits all affected. There are some who will abuse the system, just as there are some left in genuine desperate need. 2. None of its the kids fault, and how they are treated will have a large impact on our nations future.   So, despite the claims of 'it means only rich people can have kids' which is rubbish, I think the cap should stay. ... BUT that free school meals should be introduced for all state school kids:   Which would * ensure our nations children kids get fed at least one meal a day with the funds intended for that * be a significant incentive to go to school for the poorer kids at least - keeping many off the streets and away from bad company * almost certainly reduce problems and increase productivity in the classroom from irritable hungry kids (per stats)   Not a perfect solution by any means - but seems a positive move to me.    
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    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with HSBC Payment & Charges


Hopester
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New here and would greatly appreciate some advice

 

A few years ago I was taken ill and unable to make payments to various sources. I spent 18 months on anti depressants and buried my head in the sand regarding my financial situation (I'm self employed)

 

As a result I have built up a shed load off debt (about £17k) and I'm trying to dig myself out of this

 

My main question is this, I had been banking with HSBC bank since 1997 and about a year ago changed to NatWest. I was putting enough in my HSBC account to fund the outgoings (ie a loan to them) and everything else I was keeping with Natwest

 

As I got more ill I could no longer do this HSBC shut my account and pursued ,me for what I owed (OD & loan totalling about £7k) which I was unable to pay. To try and get the money to clear this I was told about this site and put forward the initial letter of a claim for my old bank charges.

 

I got a comp slip back from them with an illegible signature saying that someone would contact me and my cheque stapled to the back. So far no one has contacted me (this was in November last year)

 

In January this year, a client of mine paid a BACS payment into my old account (which was closed). This rattled around in their system for a couple of months before I got a letter last week saying they were keeping the money against bad debt. I am still getting letters from the collections agency, Central Debt Recovery, asking for the full amount.

 

Are they legally entitled to do this?

 

Any help/advice would be greatfully received.

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Hi hopester welcome to the forum :-)

 

Have a read of this to see how you can pursue the claim for unlawful charges :

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

If you sent a SAR (Subject Access Request ) previously then they had 40 days to comply with this and it looks like they haven't done so - chase them and send everything 'recorded delivery' and keep copies

 

As for your other query - I think if money is paid into an account which is owing, they are at liberty to use that money to reduce or offset the debt. They have even been known to transfer money between accounts with the same bank without asking permission from the account holder:eek:

 

If you need any further advice just shout - someone will answer - we're a friendly lot on here.:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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