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What can we do if we are on benefits (merged)

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  • dust75
    dust75 Posts: 12 Forumite
    thanks for that mate i guess i can only wait.
  • mrmajika
    mrmajika Posts: 987 Forumite
    Part of the Furniture 500 Posts Combo Breaker Photogenic
    krisskross wrote: »
    Unfortunately bank charges can be levied on benefit income.
    No they can't. Bank charges should not be levied on benefit income.
    Whilst my posts do not constitute financial advice, I am always, without fail, 100% right! :D
  • loobyloop
    loobyloop Posts: 53 Forumite
    is this your personal view or is it fact as lloyds told me they have every right to take money from my account to pay charges even though they know this is from benefits.
  • krisskross
    krisskross Posts: 7,677 Forumite
    mrmajika wrote: »
    No they can't. Bank charges should not be levied on benefit income.

    If you stop and consider that almost everyone in the country claims a benefit of some sort it would mean that everyone could run up debts to the banks with impunity.
  • mrmajika
    mrmajika Posts: 987 Forumite
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    loobyloop wrote: »
    is this your personal view or is it fact as lloyds told me they have every right to take money from my account to pay charges even though they know this is from benefits.

    I am an employee of LTSB in one of their call centres. I know that charges are not allowed to be deducted from benefit money.

    I am 100% certain that this is LTSB policy, and I am almost certain that this is policy as it is a Government law / guideline rather than LTSB just being 'nice'.
    Whilst my posts do not constitute financial advice, I am always, without fail, 100% right! :D
  • loobyloop
    loobyloop Posts: 53 Forumite
    If in deed you are correct i have just spent the last four months emailing, telephoneing, and writing asking for the return of benefits(my only income)and havebeen totally ignored. what a surprise a bank that doesnt tell the truth
  • loobyloop
    loobyloop Posts: 53 Forumite
    thank you mrmajika for your information gives me a bit of hope to carry on with my fight.
  • dust75
    dust75 Posts: 12 Forumite
    to all many thanks for your replys and the next time they tell me that they dont have to pay me my money back i will quote mrmajika if thats ok with you mate
    many thanks yet again
  • dust75
    dust75 Posts: 12 Forumite
    just another quick one if i write a letter to lloyds tsb can i charge them £35 as they have done with me in the past
  • dust75
    dust75 Posts: 12 Forumite
    hi there mrmajika can i please speak to you if i ring ltsb call centre as you seem to know what your talking about and i think you could help me out more than any amount of letters i write
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