Banking child benefit DFW question!

elodieb9

As the title suggests, I am a DFW. This question covers benefits and banking so I didn't know where to place this topic.

Anyway, for the second month running I have had bank charges of £36 taken out of my barclays account. The problem is, this has taken my account into minus - what's more, it has eaten up the money which is for child benefit. The bank has taken the money literally as the CB has gone in!

The first month I accepted as a slap on the wrist, I didn't expect it again!!

The reason why my bank balance is so low is because I paid that very bank over £3,500 to finish my loan.

Has anyone been in this situation who could offer help?

FireWyrm

Unfortunately not. The bank views all money going into an account as theirs if there are charges outstanding, they dont care that it's child benefit. The best you could possibly do is speak to the call centre and see if you can get a kind hearted soul to reverse the charges. Most banks will do this if there are extenuating circumstances such as this doesnt happen often or it would truly leave you in hardship. They can say 'no' to the request and there's not allot you can do about it. Can you borrow some money from a safe source such as family to square it up and stop it yo-yoing?

Tebheag

Hi go to your bank and speak to them in person I rang up a call centre and got told well thats what happens, was there mistake too as they paid money into wrong account when i spoke to bank later on they said if i had gone to them they could have reversed the charges aaaah

annibee

Open a new basic account somewhere (Sure someone will come along with a linky) and speak to CB and tell them to pay into new account .... simples x


I think the basic accounts dont do credit checks either. Or I may be wrong - please correct if I am

Gordon_Hose

Yeah, get a basic account like Natwest's Step Account for example. You can pay your CB into there to keep it safe.

Then go into a branch of your bank and ask to speak with someone, explain what has happened and see if they will reverse the charge.