Bank Charges Not Allowed on Certain Benefits!

Section 187 of the Social Security Administration Act 1992

There is an Act of Parliament which over-rides banks taking charges from your account if you are in receipt of any of the following benefits.


• Income Support
• Tax Credits
• Child Benefit
• Job seekers allowance
• Incapacity benefit
• Disability living allowance
• Attendance Allowance
• CSA payments
• Other DWP payments.

These social security benefits are granted to stop hardship and are designed to meet basic day to day needs, and are exempt and are protected under the Social Security Administration Act 1992 sub section 187. from arrestment in terms of section 187 of the Social Security Administration Act 1992 (see Enforcement of Civil Obligations in Scotland, Scottish Executive report, at paragraph 5.245).

Section 45 of the Tax Credits Act 2002 Chapter 21 part 1 is an identical provision to the said section 187 of the 1992 Act.  This stipulates that the banks can not apply any charges to money received as benefit, and any such charges are unlawful and therefore disallowed.

 

AS HIGHLIGHTED AT THE LAST MEETING.

 

Write or contact your bank and quote the above Act.

Tags: Benefits, ClaimBackYourUnlawfullyStolenBankCharges, SocialSecurityAdministrationAct1992, UnlawfulBankChargesOnBenefits, YourRightsRevealedAboutBankCharges, bankCharges

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Permalink Reply by Deborah Williams on February 26, 2011 at 22:19

Thank you Barry

I found a template letter that Im going to send off to them. Do I send it to my main branch or to head office?

Permalink Reply by Diogenese on February 26, 2011 at 22:21

I would suggest that you send it to the branch that holds your account.

 

Permalink Reply by Deborah Williams on February 26, 2011 at 22:43
Thank you, I will do that straight away and let you know how I got on.
Permalink Reply by Deborah Williams on March 10, 2011 at 12:32

Here is the pdf of the Social Security Administration Act 1992

 

http://www.hmrc.gov.uk/nicmanual/volume_1/ssaa_1992.pdf

Permalink Reply by gwp10 on March 21, 2011 at 7:49

hi debroah where did u get the template letter 

thanks xx

Permalink Reply by Deborah Williams on March 21, 2011 at 16:17

Hi gwp

 

I have the link in my documents but unfortunately I am not at home till Tues. I will send you the link then.

 

 

Regards

 

Deborah

Permalink Reply by Robert Patterson on July 20, 2011 at 20:25

Thanks.

for this information,now as i have always suspected the banks are acting unlawfully under those circumstaces.

PS,

INFORMATION NOW SHARED ON FACEBOOK TO HELP MANY FRIENDS.

Permalink Reply by Deborah Williams on July 20, 2011 at 22:50
You first ask your bank for all statements. The letter to send goes like this 'Dear Sir, I request statements under the data protection act, showing your account no and sign it.
Once you have received these statements pick out relevant statement showing the unlawful charges and get them photo copied. You then phone the relevant benefits agency and ask them to send you a letter stating when you started receiving said benefits up to present date.Make a copy of this and send this along with statements and template letter with your personal details off to your bank/building society.
Here is the template letter that you send to your bank to claim back charges
Attachments:
Permalink Reply by roz on November 15, 2011 at 23:30

hiya does this apply if your working i claim working tax credits, childcare tax credits and child benefit as well as housing benefit as i dont earn enough.

thanks

roz...

Permalink Reply by Deborah Williams on November 16, 2011 at 22:08

Hi Roz

It applies to all the benefits listed listed at the top.However you need to get a letter from the benefits agency responsible for each of the benefits you receive confirming when you started receiving the befits til present day. Plus you need copies from the bank of all the charges they made to your account. Then send this to your branch of the bank, registered preferably.

Deborah

 

KFM

Permalink Reply by Paul Tremble on January 22, 2012 at 14:04

Hi, I have just read your enlightening message and wish to explore it, as i get benefits myself.

My question is: Does this apply to Joint accounts too? Although i am disabled and do not work, my wife is working full time and does not get any benefits at all: Can i still claim?

Many thanks, and i will be sharing this fantastic (though shamefully hidden) information to everybody i know, and to the many thousands i don't know in occupy.

Permalink Reply by Deborah Williams on January 22, 2012 at 18:02

Hi Paul


Welcome to the site.


I am not sure whether they will accept the fact that it is a joint account, but hey it is worth a try and you haven't got anything to lose really have you?

Just make sure that you keep a copy of everything, so that you know when you sent off letters and documents. Only send them copies, as you probably won't get the originals back. You need to send that letter I have uploaded on to this thread, and add your own details to it.You also need to send copies of the statements where they charged you.Plus you need  a letter from the benifits agency that states when you started said benefits up to date.


Let me know if you hear anything back from them positive or negative, as it will help others on here to either carry on this way or change tactics.



Good luck


Deborah


KFM

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