Reclaim Unfair Bank Charges Discussion Area

john_and_ann

Thanks for your swift response, we will do that 1st thing in the morning, and let everyone know what happens.

jrity31

thanx almond

john10_2

hi i am only new to this site me and my husband were with the nat west before 2001 is there any way we can go back to then to reclaim bank charges

tinkerbell1978

just looking into my hsbc account as after writing our first letter to tsb for my OH i want to now do it for my bank am wondering what NOTIFIED FEES/CHG means?? noone notified me of anything!!@ 25.00!!

haughy1

hi I have come in from work tonight to find a letter from Lloyds,you know the one, we are dealing with your complaint blah blah blah, i am going to send the template letter not happy with your response letter tomorrow, but I have acumualated £896 on my account,would it be worth mentioning in a paragraph added to the template letter that my first letter was not a complaint,just a request and that the only money being paid into my account is CHILD BENEFIT& TAX CREDITS.( my wages fortunatley get paid into a different bank) am i right in saying that the bank is not allowed to take any of that money from me as that is what GOVERMENT say i NEED to live on

haughy1

tinkerbell1978 wrote: »

just looking into my hsbc account as after writing our first letter to tsb for my OH i want to now do it for my bank am wondering what NOTIFIED FEES/CHG means?? noone notified me of anything!!@ 25.00!!

you are so right, i never thought i would be sat here with letter from bank today, YESTERDAY, if you know what i mean

haughy1

I do apoligise i was trying to respond to tinkerbells reply to you but it went t!!!s up, I am fairly new to all of this. never the less she is very right to the tomorrow quote.

Twinkly

haughy1 wrote: »

hi I have come in from work tonight to find a letter from Lloyds,you know the one, we are dealing with your complaint blah blah blah, i am going to send the template letter not happy with your response letter tomorrow, but I have acumualated £896 on my account,would it be worth mentioning in a paragraph added to the template letter that my first letter was not a complaint,just a request and that the only money being paid into my account is CHILD BENEFIT& TAX CREDITS.( my wages fortunatley get paid into a different bank) am i right in saying that the bank is not allowed to take any of that money from me as that is what GOVERMENT say i NEED to live on

You can always add this:

Social Security Administration Act 1992
Miscellaneous
Certain benefit to be inalienable **

187- 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 bankrupcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors

Taken from a template here:

http://www.consumeractiongroup.co.uk...-benefits.html

The template must be amended to suit the name of your benefit and apparently must be sent in each time there is a payment due in to stop them taking anything from it, but that it worth the hassle to stop them.

They are breaking the law taking social security benefits. Good luck

tinkerbell1978

wondering what NOTIFIED FEES/CHG means??

PAWI69

Twinkly wrote: »

You can always add this:

Social Security Administration Act 1992
Miscellaneous
Certain benefit to be inalienable **

187- 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 bankrupcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors

Taken from a template here:

http://www.consumeractiongroup.co.uk...-benefits.html

The template must be amended to suit the name of your benefit and apparently must be sent in each time there is a payment due in to stop them taking anything from it, but that it worth the hassle to stop them.

They are breaking the law taking social security benefits. Good luck

WOW I never knew that, I had my baby in July last year & I got tax credits paid in while he was in SCBU (Special Care Baby Unit), NatWest took over £250 in charges, took me over my overdraft, things snowballed as you can imagine. I'm going to print out what you have said & use the information if my claim goes to court. Thanks Twinkly as always :beer: