How to claim Bank charges back when taken out of Income Support Money

dj-toonz

Hi all, Hope somebody can help me, I'm disabled & have my Income Support going into my bank account every 2 weeks which is only £79.90 & the bank has charged me £76 for 2 direct debits not being paid, so now leaving me with £3.70 to live on for 2 weeks. Is there anything I can do to claim the £76 back from the bank or am I going to be struggling for 2 weeks. cheers

jamespir

dj-toonz wrote: »

Hi all, Hope somebody can help me, I'm disabled & have my Income Support going into my bank account every 2 weeks which is only £79.90 & the bank has charged me £76 for 2 direct debits not being paid, so now leaving me with £3.70 to live on for 2 weeks. Is there anything I can do to claim the £76 back from the bank or am I going to be struggling for 2 weeks. cheers

have a chat to youre bank see if they could peharps hold of one of the charges failing that contact the crisis loans department explain whats happened and seeif thell help

dj-toonz

Thanks for that quick reply, I'll go into the bank later when it opens & explain to them the situtaion falling that i'll have to go into the job center plus on monday & explain to them aswell cheers

jamespir

dj-toonz wrote: »

Thanks for that quick reply, I'll go into the bank later when it opens & explain to them the situtaion falling that i'll have to go into the job center plus on monday & explain to them aswell cheers

is the job centre not open today what are you gonna do for money till then ?

dj-toonz

Nar, not open on weekends plus i've got the £3.70 in bank plus I'm going to see what I get for a couple of items that I'm going to pawn after I see what the bank says as I've totally got nothing in the flat. i.e heating, electrics on emergency about £0.75p left no food plus on me bank statement for last month is doesn't show up the unpaid item charges & never got charged for them at the time both have just been taken out this morning out of the account as I went to the cash machine this morning and saw a CHG for £76 . gonna have to get this sorted or i'm in a mess but I don't know what to say to the bank or anything

esmerellda

Which bank are you with and have you spoken to them by phone at all? They have to leave you enough to live on.

You do have a first right of appropriation but that tends only to work in advance of the charges going out and if they dont notify you you cant do it.