can a bank take benefit money

richard9991

bengal-stripe wrote: »

Bank charges can be taken off benefit monies, as they are not charges (in the legal meaning of the word) but expenses.




In your case, you do not even receive benefits (issued by DWP) but payments which your mother sends to your father and which you eventually use. (Which is in the strict definition 'money laundering' as it hides the source of the funds.)

Get yourself an account first and take it from there.

How can it be money laundering the money is not dirty it is TRANSFER FROM his mothers account to his fathers account originally paid into mothers account by DWP for the son.

sulkisu

I think you will find it hard to get anything back from the bank. I am curious, was the £300 a payment (for goods or services) or was it taken for bank charges? If it was the former, then you can't blame the company. When I go shopping and present my debit card, I don't expect the shop to enquire about thesource of the money in my account. All they need to know is that there is enough money there. Either way, as far as the bank are concerned, the money was a payment from another customer (i.e. your mother) and not from DWP. If they accepted your argument -then anyone could claim that money in their account was paid from someone's benefits and therefore cannot be touched. Even if you can prove that it came from DWP, this doesn't help you as banks treat money as belonging to the person whose account it is in. It might have been money that you owed to yor parents or given for board for example.
Your dad owes you the money (because you have effectively paid his debt), have you discussed it with him?
Unfortunately this is always the risk when you pay money into someone else's account. As others have said, you need to open your own account asap.

kez1234

you HAVE to walk into the bank and explain it is your BENEFITS they will give you the money but the £300 will be a debt on your dads account, this has happened a lot and they cannot refuse to give you your money

~Beanie~

kez1234 wrote: »

you HAVE to walk into the bank and explain it is your BENEFITS they will give you the money but the £300 will be a debt on your dads account, this has happened a lot and they cannot refuse to give you your money

They won't give the OP anything. As has already been said, the money came from the mother's account and therefore father's bank cannot see that the money came from benefits.

Also, they will not give money to anyone other than the person named on the account, which the OP is not.

Jobseeeker

kez1234 wrote: »

you HAVE to walk into the bank and explain it is your BENEFITS they will give you the money but the £300 will be a debt on your dads account, this has happened a lot and they cannot refuse to give you your money

No they won't. If the bank even confirmed to the OP that his Dad was a customer the employee would get the sack.

He needs to get the money back from his Dad and get his own account sorted.

kez1234

the bank will give him the money if his mother goes to the bank and he shows them it is his beneefit money that he transferred into his dads account they can't argue with him

jacques_chirac

kez1234 wrote: »

the bank will give him the money if his mother goes to the bank and he shows them it is his beneefit money that he transferred into his dads account they can't argue with him

Even if the money had been taken from the OP's own account the bank are not obliged to put the funds back. The SSAA refers to charges in the legal sense, not bank charges.

kez1234

they won't put the money back they will charge his dad but he will still get his money

killerkev

kez1234 wrote: »

the bank will give him the money if his mother goes to the bank and he shows them it is his beneefit money that he transferred into his dads account they can't argue with him

Data Protection Act prevents the bank from discussing other accounts.
So I don't know any way the bank can be held responsible.

StuC75

Not going to happen - not really such accountability for funds since its gone as a manual payment from one account to the other - it loses that 'connection'.. Its up to the Father to pay - must be the few occasions that Bank of Dad works in reverse..

Its like with a credit card - If I made to balance transfer into my current account, then went and spent that cash on something which was faulty - then I wouldn't have protection from the credit card..

kez1234 wrote: »

the bank will give him the money if his mother goes to the bank and he shows them it is his beneefit money that he transferred into his dads account they can't argue with him