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Can Banks take Benefits

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  • #16
    Re: Can Banks take Benefits

    Originally posted by Flowerpower
    I didn't know anything about this back then. I was on benefits in 2009, it was clearly shown on the statements. They still took their charges.
    you can go back 6 years and reclaim on this......
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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    • #17
      Re: Can Banks take Benefits

      Originally posted by Never-In-Doubt View Post
      They do need to adhere to your request but a letter of appropriation must first be sent. If you cannot list what the monies will be used for, then you can use a blanket version as this post here: --> allaboutFORUMS - View Single Post - Santander ignoring me

      I've already done that, check out this post Santander ignoring me - Page 5 - allaboutFORUMS
      I used to be afraid of the post... Now I look forward to it - so I can stick it to the DCA's

      Comment

      • #18
        Re: Can Banks take Benefits

        Originally posted by Miss Molly View Post
        I understood that you had to provide the bank with a list of the priority payments that needed to be covered by the deposits ?

        I also understood that they couldnt take their charges if they were to take you into an unauthorised overdraft situation ?
        I think that is right Miss Molly.

        I beleive that you may have to provide a letter of appropriation, listing priority debts.

        I got that information from another place

        Comment

        • #19
          Re: Can Banks take Benefits

          Originally posted by Flowerpower
          I'm going through my SAR...
          I'm scanning mine into a PDF
          I used to be afraid of the post... Now I look forward to it - so I can stick it to the DCA's

          Comment

          • #20
            Re: Can Banks take Benefits

            Originally posted by pooky2483 View Post
            I've already done that, check out this post Santander ignoring me - Page 5 - allaboutFORUMS
            yea and I replied to that thread!
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #21
              Re: Can Banks take Benefits

              Originally posted by Fine Vintage View Post
              I beleive that you may have to provide a letter of appropriation, listing priority debts.
              Usually this is done if you say get HB paid into your bank and need that for rent but for normal benefits then you can simply say "it is my normal living expenses"..... you don't need to list what you'll spend your JSA on, more the fact you're spending it to live.

              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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              • #22
                Re: Can Banks take Benefits

                Wonder if its worthwhile trying to resurrect my Barclays complaint with this. Didnt occur to me at the time (and was before the forum anyway).

                Think my stumbling block will be they were mostly the "reserve fees" (£22 for five days) BUT it was the application of the FIRST set of fees that caused the issue - i.e. the charges got applied at end month, sent me over - bang another set of fees.
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                • #23
                  Re: Can Banks take Benefits

                  I've sent off a complaint to the FOS...
                  They have got back to me and are dealing with itso it's a case of justsit back and wait now.....
                  I used to be afraid of the post... Now I look forward to it - so I can stick it to the DCA's

                  Comment

                  • #24
                    Re: Can Banks take Benefits

                    Halifax refunded fees after a Letter of Appropriation was sent years ago when i was on Benefits. They didn't reply to my letter though..... they just did it.
                    Remember the mantra:
                    NEVER communicate by 'phone.
                    Send EVERYTHING by Recorded/Special Delivery
                    Keep a copy of EVERYTHING sent
                    Keep hold of EVERYTHING received
                    PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #25
                      Re: Can Banks take Benefits

                      Well, my bank have literally said Foxtrot Oscar.
                      I used to be afraid of the post... Now I look forward to it - so I can stick it to the DCA's

                      Comment

                      • #26
                        Re: Can Banks take Benefits

                        Originally posted by pooky2483 View Post
                        Well, my bank have literally said Foxtrot Oscar.
                        In writing?

                        I would complain to their Chief Exec.... and ask for the precise point of law they're relying on with that kind of response. IMO, the FOS are a waste of space...
                        Remember the mantra:
                        NEVER communicate by 'phone.
                        Send EVERYTHING by Recorded/Special Delivery
                        Keep a copy of EVERYTHING sent
                        Keep hold of EVERYTHING received
                        PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #27
                          Re: Can Banks take Benefits

                          Originally posted by PriorityOne View Post
                          In writing?

                          I would complain to their Chief Exec.... and ask for the precise point of law they're relying on with that kind of response. IMO, the FOS are a waste of space...
                          They can be good and bad, I've had a good experience with them (TxtLoans thread) and a bad one. I made a complaint on their website and was told they would contact both me and the bank for more information and our sides of the arguement (only basic info was supplied). They never spoke to me, but spoke to the bank and surprise surprise, they ruled in the banks favour.

                          Comment

                          • #28
                            Re: Can Banks take Benefits

                            Originally posted by PriorityOne View Post
                            In writing?

                            I would complain to their Chief Exec.... and ask for the precise point of law they're relying on with that kind of response. IMO, the FOS are a waste of space...
                            I already did... Ages ago and they passed it onto a Mr Webb, who I have been having email ping-pong with and he said he'd pass on my letter to the legal dept and they came back with what I put further back in the thread.

                            So, that's why I have taken it to the FOS
                            I used to be afraid of the post... Now I look forward to it - so I can stick it to the DCA's

                            Comment

                            • #29
                              Re: Can Banks take Benefits

                              Originally posted by Diasflac View Post
                              They can be good and bad, I've had a good experience with them (TxtLoans thread) and a bad one. I made a complaint on their website and was told they would contact both me and the bank for more information and our sides of the arguement (only basic info was supplied). They never spoke to me, but spoke to the bank and surprise surprise, they ruled in the banks favour.
                              That's why, if I don't get the desired answer, I'm taking the bank to court.
                              I used to be afraid of the post... Now I look forward to it - so I can stick it to the DCA's

                              Comment

                              • #30
                                Re: Can Banks take Benefits

                                Hence why I advised you go to the Chief Exec..... and bypass the "legal dept'.

                                Santander need to be challenged on their interpretation of the law as their "legal dept" seem to have adapted its content to suit their own ends (your other thread).



                                I doubt they would stick to their stance if pushed for a breakdown of where it comes from though....
                                Last edited by PriorityOne; 29 May 2013, 16:08.
                                Remember the mantra:
                                NEVER communicate by 'phone.
                                Send EVERYTHING by Recorded/Special Delivery
                                Keep a copy of EVERYTHING sent
                                Keep hold of EVERYTHING received
                                PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

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