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Bank charges out of child tax credits?


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Hello, apologies if I'm posting in the wrong place

This morning my bank took 88.00 out of my 102.00 child tax credits.

Can they do this?

I know at least 2 of these 8.00 charges are for my loan payment to them which was arranged over the phone to go out on a Saturday as that's when money goes in. They agreed this on the phone and then we noticed it was attempting to go out on Fridays. I rang them again and they said they "didn't do Saturdays" so had made it Friday instead. Which was useless as I had explained on the phone, Saturday is the only day i have guaranteed money. So we arranged for it to go out on Mondays, as by Friday the account is usually empty.

I now have 20.00 for food/electric over xmas, never mind the fact they will attempt to take their 25.00 loan payment on Monday...

Thanks for any help!

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I think the best thing would be if you open another bank account with another bank and have your benefit paid into it so you have total control over this situation and it wont leave you short again and then you pay into the existing account what you can afford , this solving the issue.

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I'd give them a phone and ask them to refund the charges, was the remainder of the amount they debited due to go out on the day it did.


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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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