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Bank Charges and claiming benefits

nikkiandmidgets Avatar
8y, 4m agoPosted 8 years, 4 months ago
I am just gettng my income support and child tax credit claims sorted out after having to stop work due to my mum returning to full time work so no longer have childcare - thought some of the money would have been through before I got it so didnt cancel standing orders cos I know they can be a pain in the butt to set back up again anyway to add to that gas and electric increased my standing orders - there wasnt enough in so that cost me £70 - then another £70 a week later off my child benefit. that then led to lots of other standing orders boucing so to date this month have had £210 of charges and probably same yet to come off - anyone know if Halifax will refund given my circumstances? I have now cancelled almost all of my dd's but obviously any money i get from benefits will be going straight out on charges.

Have been told my two options are to write to bank each time I am due benefits and explain that the money coming in is for basic living and itemise everything and they cannot touch it but I just got my quidco cash back and am away to sell some stuff on here so that I can pay some money to landlord and pay some other stuff I have...Other option someone said was to oen a new bank account and have benefits paid into that and just start again.....

Whats the best option...I just have a basic Visa Electron acct cos my credit history got screwed when my ex transferred his wages from our joint acct to his personal one when i threatened him with divorce cos of an affair and his comments on it while I was in hospital having our second daughter so had only SMP myself as had the two children one after the other...

Any thoughts appreciated - anyone else been in this situation? I know the bank charges thing is still going through courts so guess I am looking to see if they view things differently if you are on benefits and only have that money to live on or if they still dont care!
nikkiandmidgets Avatar
8y, 4m agoPosted 8 years, 4 months ago
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#1
im sure if you contact the bank and speak to someone regards the charges - due to present climate they would cancel them
especially if you explained the situation as mentioned here

good luck
#2
Did the department of work and pensions tell you that you would be gettin gmoney and then never paid it on time? If so, and you can prove the money was taken when they said there would have been a payment, then you can claim from them.

If that doesn't work, call your bank, explain your circumstances and if this has never happened before, chances are they will write it off, All banks have a diifernt policy, some let you off with one charge a year (that you query), others will let you off with the first charge you query then thats it. Worth asking about though.

As for the court case involving bank charges, as far as I am aware, it doesn't effect Scotland as we have different laws so you could still try and claim them back.
banned#3
LadyMadonna
Did the department of work and pensions tell you that you would be gettin gmoney and then never paid it on time? If so, and you can prove the money was taken when they said there would have been a payment, then you can claim from them.

If that doesn't work, call your bank, explain your circumstances and if this has never happened before, chances are they will write it off, All banks have a diifernt policy, some let you off with one charge a year (that you query), others will let you off with the first charge you query then thats it. Worth asking about though.

As for the court case involving bank charges, as far as I am aware, it doesn't effect Scotland as we have different laws so you could still try and claim them back.


I think it does, as my dad recently had his capital one bill wiped as he found out over a year he paid about £620 in charges and his balance owed right now is less than that so they wiped it(after he threatened court action though)

Halifax however are an awful bank, l used them and got charged loads of fees but had each one refunded after complaining enough,.

My dad once paid in £15 and got a phone call a few hours later as the counter person accidently put £15 000 into his account and Halifax had to close account for "24 hours" which ended up being 2 weeks meaning he had loads of charges from his credit card, insurance, bt etc.

They promised to credit the amount he lost after my dad showed proof which they lost, time and time again, then finally got a letter saying they would credit iot in 14 days and he had to wait about 4 months and they also kept "forgetting" to set up the direct debits again

He has had no end of problems with them.

IMO the best bank is Clydesdale in Scotland as they had always been good to me, even when they made a mistake and didnt cancel a direct debit I told them to over phone they refunded charges and gave me a £25 credit as a goodwill gesture.
#4
No they didnt tell me I would be getting on a certain date - just I thought that as I had done the claim online, had a meeting the following week that it woudl be sorted out quite quickly after that as they were aware I was a single mum with toddlers...silly me, never claimed before (Well did claim Child tax credits once before but had a regular income then!) so didnt realise it took them so long to sort thngs out, and noone advised me to cancels standing orders etc...in hindsight I should have gone into a local branch to disucss but with toddlers it isnt always easy!

Will try writing a letter though i id explain to bank woman when I went in and cancelled them at branch...was going to open bank accts for kids as we have a huge bottle with change but has to be in my name and someone told me the bank can take the money out of that account to pay any owed in my main act cos its n my name so guess I will open one with another one for them!
#5
Might give the Clydesdale a shot as my house I am renting backs onto the bank (Landlord owns the whole building!) so not too far to go....for now! Will just have to find out how quickly I can get the payment accts changed for income suppo and child tax credits and housing benefit when its sorted!
banned#6
nikkiandmidgets
Might give the Clydesdale a shot as my house I am renting backs onto the bank (Landlord owns the whole building!) so not too far to go....for now! Will just have to find out how quickly I can get the payment accts changed for income suppo and child tax credits and housing benefit when its sorted!


Clydesdale were good with me, I have bad credit too due to going wild at 18 and not paying money back and having a terrible credit score.

Opened a basic account with them about 6 years ago but only started using it about 5 years ago and 3 years ago asked to upgrade it and they gave me a Switch card(now Maestro) and a £300 overdraft

Despite now being in a part time low paid job and weekly income of £70 after tax they let me increase overdraft from £1000 to £1500(again I have bad credit and cant get an account elsewhere)

Their basic Cashmaster account comes with a Maestro card.
#7
Can Maestro be used in Tesco - if so then I am opening an account with them tomorrow as my halifax one cannot be used online with Tesco and they are the only supermarket nearby (12 miles away) which do online shopping! I dont drive so need Tescos and usually have to wait till I pay money into my credit card which is low limit....
banned#8
nikkiandmidgets
Can Maestro be used in Tesco - if so then I am opening an account with them tomorrow as my halifax one cannot be used online with Tesco and they are the only supermarket nearby (12 miles away) which do online shopping! I dont drive so need Tescos and usually have to wait till I pay money into my credit card which is low limit....


Yes Maestro is just the next step up from Solo and Switch, thats why you dont see swtich cards anymrore.

It can also be used abroad too.
#9
Brilliant thanks for that info - will open one tomorrow and write a letter to Halifax asking if they would consider refunding charges - bet they wont but can at least try I suppose!
#10
Hi
I'm with the Halifax. If it is the first time you are trying to claim back charges then THEY WILL refund them if you explain the situation. I have 2 Halifax accounts and had a similar problem on both accounts this year and both times the charges were wavered. There is a basic of basic Halifax account that can only be set up online,if I were you I would set that up also. Really handy having 2 accounts with the same bank because if you get your money paid in to one and say link the other one up to your [email protected]/Pay Pal account (new one,another one :thumbsup: ),it means that if you have money in one and not the other you can transfer between the 2 accounts with no trouble at all online and the money gets transferred instantly! Handy if you sell a couple of things on evilbay,get paid through Pay Pal then transfer to your other NEW Halifax account.
#11
Get in touch with the bank straight away and explain it all to them - if they don't cancel the charges as a goodwill gesture then you could try going to your local Citizens Advice Bureau as they are really good at helping with this sort of thing - a similar thing happened to me and I went straight online and opened up a new cashcard account - HSBC do a brill one you can apply for online - then get your benefits paid into there so you can avoid losing the money - however you mustn't just leave the other account to rot as the charges will get worse and worse (and thats not fun!!!) Good luck with that!
#12
i had bank charges cancelled a couple of times-once when i overlooked a cheque(it was cashed long after i wrote it!) and then i went overdrawn by 27p! just go to the bank and see the manager?
helcatamy1 is right-dont just open another account! as for benefits you can just open the post office account which gives you an electron-as far as i know there isnt a credit ceck as its just for benefits?
#13
i was with halifax a while back and got charges for direct debits that couldnt be paid because the dss hadnt put my money in the account when they were supposed to, i made an appointment with the bank manager and explained what had happened and she waived the charges straight away, so you could just let them no what has happened. good luck.

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