can a bank take benefit money

StuC75

Oh so wrong..

as an example (not assuming matches op),,, but..

Person A on benefits, pays benefits to Mothers account to covers 'Keep', mum gives this money as cash through out the month etc.

Mother received that money into her account (pays out expenses etc), and transfers an equal amount to the father to cover Bills ...

Father receives that Money, but in meantime gets hit with charges..

Should Person A receive back those charges... No....

kez1234 wrote: »

i know quite a few people who owe money and are in debt but if they say it is their benefit and can prove it the bank will give him the money, his dad will have to pay the money back or he will het charges added and after a time will get letters stating if he doesn't pay his account will be closed

seven-day-weekend

Would it not just be easier to open an account that only your Benefits goes into instead of transferring money backwards and forwards? Once it's in someone else's account it is legally their money.

iammumtoone

I receive benefits into my own account. I went over my overdraft recently, the bank took that money and I had to pay the bank charges. Should they have not done that then? Seems a bit unfair on those that work, just because I receive benefits I didn't think anything of it, my fault I went over I respected the fact I had to pay.

rogerblack

xylophone wrote: »

A manual transfer was done into your father's account? Then legally the money becomes his?
?

Money transferred into your bank account is not automatically yours.

If the above was being done with the consent of everyone involved, no laws, or benefit regulations whatsoever have been broken.

Claree__x

Op, how did the money come out of your dads account? If it was direct debit that he shouldn't have paid he can ask the bank to reverse the transaction and then take it up with the company.

StormyWeather_2

I wonder if it's a overdue debt with another part of the Lloyds group. They do take money from current accounts to cover loans and credit card payments, it's in the Ts&Cs of the credit agreement.

meer53

Whoever pays what to who and when, the OP isn't going to get their £300. From anyone. It's gone, owed by the Dad, now repaid.

No bank will simply give back money just because it's benefits. Especially not when it's just gone through 2 accounts !

xylophone

Money transferred into your bank account is not automatically yours.

In this particular case, the OP appears to have used his mother's account to make a payment into his father's account. It does not appear that any formal nominee relationship has been set up nor any formal third party authorisation on either account.

This appears to have been a normal manual transfer. There is no question in this case that money has been paid into the wrong account by mistake.

It seems to me that in such circumstances the bank could certainly take the position that the money belonged to their customer, the father.

I cannot see that the bank has any obligation to repay the OP.