Are Banks allowed to take benefits in charges?
I have just got off the phone to my local Benefits Office and they confirm they are not allowed to touch Housing benefit but are unsure about the rest. I remember seeing some documentation somewhere on here but can't remember where.

It all stared on 27 Feb 2012, I sent Santander a letter of appropriation and gave them 2 weeks for a reply.

This quickly passed by so I sent them another letter on 12 March 2012, they have had a further 16 days and I have heard nothing from them, not even a letter acknowledging receipt...

Is it worth claiming charges back from HSBC on a closed account. I think it was opened in 2005 (cant find all statements, earliest #7 dated 1 May 2006)
I did try ages ago but it was during the big test case.

[EDIT]
I also had a Bradford & Bingley account and wonder if I...

A Colleague of mine is considering the UE route if all else fails regarding a period of hardship. Already, halifax are threatrening to take money from one account to pay another (ie both credit card and bank account are with same organisation). He has already written to ask for them to accept lower...