Social Security act 1992

mb1962

Can anyone please point me to where i can read this act and quote it to smile bank

i am disabled and trying to remove a decreasing overdraft, i have seen on the main pages of this site, the following


Q: What else can I do if I am living on benefits?
A: If you rely on benefits for your main income, such as Income Support or Job Seekers Allowance, there is still possibly a way you can claim; though it relies on a slightly different law. All past claims have been based on contract laws but there is another law called the Social Security Administration Act 1992, which says that banks must not take charges from benefits as this money is needed for a person

i am trying to find the wording of this act, and where i can print the relevant information.......can anyon eplease help?

thanks

fermi

Should be in one of these:

• Social Security Administration Act 1992 c.5
  • 1992 c.5 - Web version (HTML) <---EDIT This one. Section 187
    
• Social Security Administration (Northern Ireland) Act 1992 c.8
  • 1992 c.8 - Web version (HTML)
  • 1992 c.8 - Print version (PDF - 2,025 kb)
• Social Security (Consequential Provisions) Act 1992 c.6
  • 1992 c.6 - Web version (HTML)
  • 1992 c.6 - Print version (PDF - 621 kb)
• Social Security (Consequential Provisions) (Northern Ireland) Act 1992 c.9
  • 1992 c.9 - Web version (HTML)
  • 1992 c.9 - Print version (PDF - 561 kb)
• Social Security Contributions and Benefits Act 1992 c.4
  • 1992 c.4 - Web version (HTML)
  • 1992 c.4 - Print version (PDF - 3,236 kb)
• Social Security Contributions and Benefits (Northern Ireland) Act 1992 c.7
  • 1992 c.7 - Web version (HTML)
  • 1992 c.7 - Print version (PDF - 2,898 kb)
• Social Security (Mortgage Interest Payments) Act 1992 c.33
  • 1992 c.33 - Web version (HTML)

medman

Here's the link to the Govt website with the act in full, but I don't think it'll be a great read
http://www.opsi.gov.uk/Acts/acts1992/ukpga_19920005_en_1

Enjoy

MM

fermi

Found it.

Stripping away the legal language, it means that it doesn't matter what terms and conditions a bank puts in an agreement. You are still entitled to have access to the funds provided by the benefits listed.

187 Certain benefit to be inalienable

(1) 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 bankruptcy of a beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors.

(2) In the application of subsection (1) above to Scotland—

(a) the reference to assignment of benefit shall be read as a reference to assignation, “assign” being construed accordingly;

(b) the reference to a beneficiary’s bankruptcy shall be read as a reference to the sequestration of his estate or the appointment on his estate of a judicial factor under section 41 of the [1980 c. 46.] Solicitors (Scotland) Act 1980.

(3) In calculating for the purposes of section 5 of the [1869 c. 62.] Debtors Act 1869 or section 4 of the [1882 c. 42.] Civil Imprisonment (Scotland) Act 1882 the means of any beneficiary, no account shall be taken of any increase of disablement benefit in respect of a child or of industrial death benefit.