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Banks and Benefits

Can anyone clarify any further, the question as to whether banks can access means tested benefits in order to pay bank charges, or use for loan repayments. I have been trying to find out a definitive answer but there does not seem to be one, banks appear to do as they please and surely it is obvious to staff when money is paid into an account as benefit, that this is money that person needs to live on. Or am I assuming too much:confused:

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