Yorkshire Bank Taking Money Fron Benefits

[angnnig]

Hi ,everyone,I hope someone can advise me .My partner and I are recieving chlid and working tax credit and child benefit .Over the past 5 years yorkshire bank have charged us just under £2000 in returned dds fees.The FOS have my complaint on file and like everyone else my case is on hold.But we are really struggling financially.my partner was ill for awhile and we got really behind with the mortgage and nearly lost our home ,we we are still heavily in arrears and have a reppo order hanging over us .We are behind with all the other bills also.Yorkshire bank still keep on charging though ,they took £140 in the last month alone ,and that wasn,t even our fault,our house insurance tried to take money out 3 times without informing us.as we are on benefits can we claim under the hardship rules or should we just demand our money back under the social security act 2002.any help greatly appriciated .thanks.angnnig

[42man]

I would change bank accounts immediately.....and get the benefits paid in to the new account ASAP....this is completely unreasonable of the Yorkshire Bank to do this.....

[Guest forgottenone]

Was going to suggest this but was unsure whether they meant their benefits were being paid into Yorkshire Bank or not? Is that what you mean ang ... or that the bank is charging you whilst being on benefits when there is legislation about charging fees whilst someone is on benefit? Which you do go onto mention. If not, disregard.

 

But, yes, as 42man says - just need to phone DWP to get them to transfer it to a new account. You mention a complaint to the FOS ... very lacking of them not to even suggest you change banks under the circumstances. If that is the case.

[angnnig]

Thanks guys for your fast replys ,I should have changed banks ages ago,I definatly am now .All my benefits are paid into Yorkshire bank ,,ive even tried arguing on the phone to them saying ,what thier doing is illegal but they dont listen and refuse to talk to me.Is thier anyway i can claim under the hardship rules, and can anyone suggest any template letters to do this ,thanks ,regards angnnig

[2Grumpy]

There's a sticky for this: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/36790-bank-taking-your-benefits.html

[angnnig]

Thanks for you reply Grumpy,Iv,e just looked at the social security act letter and I tempted to send that to Yorkshire bank,has anyone ever sucseeded in getting thier money back with this letter.If YB refuse do i take my case to the office of fair trading.Can they make YB pay me the money they owe me .any help appriciated thankyou .

[Rooster-UK]

Hi Ang.

I tried the link above and it only took me as far as the main menu.

The following link will take you to the letter itself.......

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

[quote name=42man

I would change bank accounts immediately.....and get the benefits paid in to the new account ASAP....this is completely unreasonable of the Yorkshire Bank to do this.....

]

 

You need too open a parachute account A.S.A.P.

Arrange to have all your benefits etc paid into the new account.

Transfer all standing orders and direct debits to the new account.

Your money will then be out of Yorkshire Bank's reach.

This thread will give you some info on parachute accounts......

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/58685-do-you-need-parachute.html

 

Regards, Rooster.

[angnnig]

Thanks for your advice Rooster,can you advise of any banks that dont charge for returned direct debits.thanks.regards angnnig

[Rooster-UK]

Thanks for your advice Rooster,can you advise of any banks that dont charge for returned direct debits.thanks.regards angnnig

Only two....

 

The Blood Bank and the Monopoly bank.

[havinastella]

Only two....

 

The Blood Bank and the Monopoly bank.

 

LMFAO

 

Ang, I found that Natwest Step account was very easy to open, you get to set up D/D's (There will always be a charge if you bounce these) and a solo card for online transactions

 

NatWest - Find the best current account for you

 

Jogs

[angnnig]

Ha ha,very funny Rooster:rolleyes:,

Thanks for your reply Havinastella,I will give them a try,I wouldn,t have anything on direct debit by choice,but car insurance,house insurance and life insurance wont accept any other payment method.kind regards angnnig

[angnnig]

I recently sent a socal security letter,asking my bank to refund all the unlawfull charges and to stop taking these from my benefit,and this letter was there reply.can anyone advise me what to do next,and if you cannot read my attachment,please advise how i upload and make it readable,kind regards ang n nig

Edited July 19, 2008 by angnnig
adding text

[angnnig]

Hi all,Over the past 6 years my bank (yorkshire bank) have took just under £2000 of me in unlawfull charges ,I have the complaint with the FOS.I have been on benefits for most of that time and the bank are still taking money from my benefits,I have recently sent them the "social security act letter",demanding that they pay me all the charges back and to stop taking anymore charges from my benefits ,they sent a letter back basically saying that they are not breaking any laws and they are not going to refund me any of the charges.Can anyone advise me what I should do next ,thanks ,kind regards angnnig

[blue4ever]

Hi angnng try this link it may help http://www.consumeractiongroup.co.uk/forum/general-debt-issues/36790-bank-taking-your-benefits.html

[angnnig]

Thanks for the tip Blue,ive looked at the link ,thats how i got started with the social security act letter,it tells me how to get to that stage but cant find anything on what to do next,unless ive missed something .Il have another look though.kind regards angnnig

[blue4ever]

try this got a letter on post six

http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/117512-bank-charges-benefits.html

[angnnig]

Thanks blue will do .regards angnnig

[angnnig]

Hi again just read through all the links and im not sure wether to take it through the FOS or court ,I think the easiest thing to do would be to take it through the FOS and claim through hardship grounds and the social security act .does anyone know of any good template letters for this or should i just put it in my own words .thanks .regards angnnig

[The GodMother]

can u make that any bigger as it is unreadable

[angnnig]

Im not really sure how to make the image larger,sorry not well up on computers.So I'l just type the relevent bits out.

 

we refer to your letter dated 1st july,

It is the banks position that the social security administration act 1992 is not of relevance in the circumstances of this case.the act states that every assignment of or charge on benefits shall be void,this means any attempt by you to assign a right to your benefits or offer them as security will be void.the section does not relate to bank charges.

if you are unhappy with the way in which your complaint has been handled or the outcome you may refer your complaint to the FOS.

 

Thanks, regards angnnig.

[angnnig]

Bump:???:

[The GodMother]

incorrect about that the banks know that this is wrong. there are letters from the secetary of state to banks on the thread to i will try and find them.

 

needless to say i would advise ur bank what the benefits office told me.

that is.

 

under the social securitys act 1992 any money taken from benefit money is illegal. The banks have been aware of this since 1992. The only money that is allowed to be removed from a claimants benefit money is money they owe us (benefits agency). This is our right under seperate rules laid down within the same act as it is goverment money.

 

If the banks dont understand the rules on benefit money then maybe they should read the relivant sections of the act.

 

since then i have had no problems with money comming out of my benefits for anything.

[angnnig]

Thanks GM,I will deffo give it a try.what do you think my chances are on getting my money back from YB .I might go through the hardship route also ,Im not sure wether to write to the bank or FOS for this.kind regards angnnig

[The GodMother]

I dont know what your chances are as i have not had any dealings with the company.

[angnnig]

Ok thanks anyway GM,it would be great if you could find the secetary of state letters for us.kind regards angnnig

Edited July 21, 2008 by angnnig