Reclaiming Old Bank Charges

ScaredWitless wrote: »

Under the Social Security Administration Act 1992 Section 187, would I be able to reclaim the bank charges as they would have been unfair!?

Where on earth have you found this piece of legislation?

Why do you believe it would mean that historical bank charges are going to be refunded to you?

Regardless, only people in current Financial Hardship may be refunded (some) bank charges and no one receives refunds from years ago...

Social Security Administration Act 1992

187Certain benefit to be inalienable

(1)Subject to the provisions of this Act, every assignment of or charge on—
(a)benefit as defined in section 122 of the Contributions and Benefits Act;
(b)any income-related benefit; or
(c)child benefit,and every agreement to assign or charge such benefit shall be void; and, on the bankruptcy of a beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors.
(2)In the application of subsection (1) above to Scotland—
(a)the reference to assignment of benefit shall be read as a reference to assignation, “assign” being construed accordingly;
(b)the reference to a beneficiary’s bankruptcy shall be read as a reference to the sequestration of his estate or the appointment on his estate of a judicial factor under section 41 of the [1980 c. 46.] Solicitors (Scotland) Act 1980.
(3)In calculating for the purposes of section 5 of the [1869 c. 62.] Debtors Act 1869 or section 4 of the [1882 c. 42.] Civil Imprisonment (Scotland) Act 1882 the means of any beneficiary, no account shall be taken of any increase of disablement benefit in respect of a child or of industrial death benefit.

Scaredwitless probably best to have discussed this with your support worker first who may have been able to have got you advice on this. I agree with the above, I cannot see how this can be interpreted into bank charges. If you receive advice otherwise from a professional, people here would be very interested.