Tax rebate caused account to be blocked!

typistretired

Have you tried Citizens Advice?

Jakg

Willing2Learn said:

This whole thread is a red herring methinks!! 

You aren't the only one.

OP - Can you post any documents from the bank referencing any of this?

noh

byrnez92 said:

colsten said:

born_again said:

byrnez92 said:

born_again said:

byrnez92 said:

born_again said:

byrnez92 said:

plus inadvertantly stopped me claiming benefits so I am as broke as iv ever known 😞

How has this stopped you claiming benefits?

Tax rebates are classed as income earnt when applying for Uc 

So how is that Santanders fault? As you already had the tax rebate, thus you would still not be able to claim UC.

Because the minute the payment went into my account santander froze the account and now they want to look through my tax affairs before releasing at the same time saying they do not investigate someones taxes contradictory right? 
Having asked them to put in writing what they are requesting they will not do it as "they dont investigate tax affairs" 

You said "Tax rebates are classed as income earnt when applying for Uc "
So a frozen account or not. The refund is already there ( in your words classed Income ). So Santander have nothing to do with that stopping you from claiming UC. 
Unless you were planning to move it and make a fraudulent UC claim?

I think byrnez92 probably meant that they now would like / have to apply for UC but they don't qualify for UC because of the tax refund - which, unfortunately, they can't lay their hands on now as Santander aren't playing ball.  

I still maintain that the demand for tax refund information is a read herring.

I also note that the OP hasn't reported how the "2 young children and a child 3 weeks old", mentioned 6 days ago, and a potential partner (unmentioned so far, I believe?), have got fed since the situation arose, and it is unclear how they will be fed going forward.

Nor have we had any feedback on the reactions of the Santander CEO, or byrnez92's MP, to this urgent issue.

So perhaps it's just an experiment of a sociology or a psychology student on how people react to a one-sided story, or a simple wind-up.

Summed that up quite well if I do say and no reply from mp or CEO I have not been to press still and as for how I've looked after my family santander gave me £80 compensation for the way I have been treated ie lied to and misled which obviously is enough to keep food on the table for now but they still not releasing the tax rebate

If the Santander account is your only bank account, as you have previously stated, and that account is blocked, how did you receive the £80 compensation that you used to feed your family?
Any compensation I have received in the past has been paid as a transfer to a bank account.
Edit: Just found the answer on page 6 of this thread.

colsten

noh said:

If the Santander account is your only bank account, as you have previously stated, and that account is blocked, how did you receive the £80 compensation that you used to feed your family?
Any compensation I have received in the past has been paid as a transfer to a bank account.

🤣😎🕵️

Also, accepting a payment for a complaint settles and closes the complaint.

Robbie64

Willing2Learn said:

byrnez92 said:

born_again said:

byrnez92 said:

plus inadvertantly stopped me claiming benefits so I am as broke as iv ever known 😞

How has this stopped you claiming benefits?

Tax rebates are classed as income earnt when applying for Uc 

No they are not.  You would be able to receive up to £6000 income before your UC would be impacted.  I gave you the information and quoted the regulation on the first page of this thread.

When calculating Universal Credit, tax rebates are treated as earned income (which impacts on Universal Credit entilement for the assessment period in which the rebate is paid) in the same way as regular wages or any other income rather than being treated as capital / savings. The £6,000 rule you mention refers to capital / savings and not income.

This is a major difference from old style "legacy" means tested benefits where tax rebates were treated as capital rather than income and would be ignored for benefit purposes if savings were below £6,000.

born_again

byrnez92 said:

born_again said:

byrnez92 said:

born_again said:

byrnez92 said:

born_again said:

byrnez92 said:

plus inadvertantly stopped me claiming benefits so I am as broke as iv ever known 😞

How has this stopped you claiming benefits?

Tax rebates are classed as income earnt when applying for Uc 

So how is that Santanders fault? As you already had the tax rebate, thus you would still not be able to claim UC.

Because the minute the payment went into my account santander froze the account and now they want to look through my tax affairs before releasing at the same time saying they do not investigate someones taxes contradictory right? 
Having asked them to put in writing what they are requesting they will not do it as "they dont investigate tax affairs" 

You said "Tax rebates are classed as income earnt when applying for Uc "
So a frozen account or not. The refund is already there ( in your words classed Income ). So Santander have nothing to do with that stopping you from claiming UC. 
Unless you were planning to move it and make a fraudulent UC claim? 

I had already had one universal credit payment before the rebate the point I'm making is I wouldn't need the universal credit this month if i had my tax rebate money but the bank have withheld the payment from my account so i am penniless and also ineligeble for any benifits as on the system I have had money from HMRC but in reality I cant touch that money till bank have gone through my taxes hope you understand what I am saying 

I get what you are saying. But as far as UC go. You HAVE got that refund. The fact that you can not access the bank account makes no difference.
Where do the rest of the benefits you receive go?
Does partner not have a bank account?

LobsterMemory

Forget about the Universal Credit questions for now.
Let's see
1/ a copy and paste of the mail to the Santander CEO
2/ a copy and paste of the mail to the MP

georgecuttiford

Have you managed to get access to your account or money? 

I'm going through something similar but the bank in question is Nationwide. As soon as the rebate showed up in my bank account, the account got frozen and no one from the bank tried reaching out. After calling them a fair few times I was told that someone will call me back but that never happened. Every time I called I kept on getting a different story without actually getting any answers. Two weeks later I received a letter from the bank saying that my account had been closed because I was in breach of T&Cs (I can only assume it's because they're saying that I used my account for business purposes), the tax repayment was returned to HMRC and they attached a cheque with the balance I had on the account when this happened.

I take my fair share of blame for not reading the fine print which highlighted that the account is only for personal use but I have to say that their customer service was appalling! They kept me in the dark during this entire process, treated me like a crook and withheld access to my cash but luckily for me I had family that was very supportive during the process.

Now I'm dealing with HMRC who are saying that they've not received the money back so they can't re-issue the repayment until this happens. It's been three weeks since I raised this with them and still nothing.

I am beyond annoyed and disappointed at Nationwide for how they've treated me! They could have given me a warning or close my account but not return the repayment and then just keep me in the dark. Either way,  they should have treated me like a human being especially during these times!

Has anyone had experience with this or has any suggestions?

realaledrinker

Not doubting your account in any way but I have never had any issues in moving substantial amounts in and immediately out again of my Nationwide account on a fairly regular basis.

georgecuttiford

I've not had an issue either for 8 years until last month so word of advice for anyone using a personal account - read your account's T&C and open a business account.