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Closing account for use of First Appropriation

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Hi,

 

My daughter currently receives Income Support, Child Tax Credit and Child Benefits and has them paid into her account with Lloyds TSB.

 

Recently she went over her overdraft, and has not been able to get to her benefits. She, however, found out about her First Right of Appropriation and used this to claim her last two payments back (£54 each, one on Friday, one today).

 

But, because of this, they have frozen her account and have given her thirty days notice that they're closing her account.

 

Is this allowed? I always believed that First Right of Appropriation can be used as often as it is needed. Are the bank allowed to just close her account like this?

 

Thanks a lot

Frankie

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I've had a search for you and found the following information on First Right of Appropriation. On Page 3 it does state that a "Bank or Building Society is unlikely to allow you to use FRoA for long and that they may close your account."

 

Here

 

Has your daughter considered opening a basic account?

 

 

 

enamae


Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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