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If a bank informs you it will be taking money from your account to pay itself, for any reason, charges, offset of another account/loan, or just to be swallowed up by an unauthorised overdraft and you can't afford for them to take the money, then you MAY be able to use the Right of Appropriation to stop them taking the money temporarily.
You should take this letter to the bank at least 7 days before the payment is due in / they are due to take the money.
You need to tell the bank what date and the amount of the payment due in to the account, and the dates and amounts of payments that are essential to be paid.
The most common use of this right is to rescue your Housing Benefit/Local Housing Allowance from bank charges and enable it to still reach your landlord.
[your name ]
[your address]
[date]
[bank name ]
[bank address]
Dear Sir/Madam,
RIGHT OF APPROPRIATION
ACCOUNT NUMBER: xxxxxxxxx
I am writing to inform you that I am due to have a Benefit / Salary / tax credit payment of £xxx paid into my account on xx/xx/xx, and I wish to use my first right of appropriation for this money, for the following purposes;
Rent - Company/Landlord name/reference - due to be collected by Direct Debit on xx/xx/xxxx - £xx
Please ensure this payment is made.
I also need to appropriate the sum of £xxx for essential housekeeping and will withdraw this sum over the counter/by ATM on xx/xx/xxxx.
Please ensure this sum is available to me at that time and that any other payments out of my account or charges applied to my account do not interfere with this withdrawal.
If you have any doubt over my rights please contact your legal team.
Yours faithfully,
[signature]
You should take this letter to the bank at least 7 days before the payment is due in / they are due to take the money.
You need to tell the bank what date and the amount of the payment due in to the account, and the dates and amounts of payments that are essential to be paid.
The most common use of this right is to rescue your Housing Benefit/Local Housing Allowance from bank charges and enable it to still reach your landlord.
[your name ]
[your address]
[date]
[bank name ]
[bank address]
Dear Sir/Madam,
RIGHT OF APPROPRIATION
ACCOUNT NUMBER: xxxxxxxxx
I am writing to inform you that I am due to have a Benefit / Salary / tax credit payment of £xxx paid into my account on xx/xx/xx, and I wish to use my first right of appropriation for this money, for the following purposes;
Rent - Company/Landlord name/reference - due to be collected by Direct Debit on xx/xx/xxxx - £xx
Please ensure this payment is made.
I also need to appropriate the sum of £xxx for essential housekeeping and will withdraw this sum over the counter/by ATM on xx/xx/xxxx.
Please ensure this sum is available to me at that time and that any other payments out of my account or charges applied to my account do not interfere with this withdrawal.
If you have any doubt over my rights please contact your legal team.
Yours faithfully,
[signature]
