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can the bank take there charges.........

jizzler
jizzler Posts: 160 Forumite
in Budgeting & bank accounts
when the only money going into your account is jsa ?

i have just signed on & they have taken £110 in charges,i have rang

them but they have agreed on returning the money apart from £20

which they will take every 2weeks until the charges are paid. i really

cannot afford this but they insist. is there anything i can do please ?

Comments

  • onlypaddy
    onlypaddy Posts: 991 Forumite
    Debt-free and Proud!
    it's my understanding that banks can't take benefits money as settlement of debt - I think this is only a guideline however so it may depend on how much you have !!!!!! them off
    Debts at LBM (May '08) £5760 - Lloyds CC £4260, Lloyds OD £1500;
    Debts as of May 28th 2011:
    Santander CC: £0.00
    Lloyds OD : £0.00
    DFW Nerd #1247 - Proudly dealt with my Debts :D Olympic 2012 Challenge #12
  • jizzler
    jizzler Posts: 160 Forumite
    is there any way of finding out if they can LEGALLY take the money if it leaves you even worse off financially than you already are ?

    and yeah they will be really !!!!!! off because i claimed £800 off them in unfair charges 2 years ago & this all stems back from there ( more charges added once they settled my 1st claim ).
  • stator
    stator Posts: 7,441 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Open a new "basic" account with no overdraft and no charges. Pay your benefits into that account and use it to pay off your others debts when you can afford to. Ask them to freeze the old account if it's still accruing interest
    Changing the world, one sarcastic comment at a time.
  • jizzler
    jizzler Posts: 160 Forumite
    stator wrote: »
    Open a new "basic" account with no overdraft and no charges. Pay your benefits into that account and use it to pay off your others debts when you can afford to. Ask them to freeze the old account if it's still accruing interest



    ok tnks for the advice :T
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What is the difference between JSA and any other credit?
    If you have spent money that is not yours expect to have to pay for it - whichever bank you are with.

    You could open a Post Office account for your benefits .
This discussion has been closed.
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