OMG Help iv my claim in,Now bank want to see me dont know what im meant to do???????

[natweststaffmember]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Also is it true the bank cant take chages from my benafits? Just i seen this paice on an other site. They are wrong 100%

Social Security Administration (Northern Ireland) Act 1992

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 121 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


Does this mean they where in the wrong to take it from my benafits in the frist place?

Sorry iv went on abit or alot lol

Not a problem but that info is incorrect.

"The purpose of the Social Security Administration Act 1992 Section 187 and section 45 of the Tax Credits Act 2002 is to prevent people’s benefit money being at risk by it being assigned over to a third party in settlement of a debt. It is not intended to prohibit the application of bank charges. Bank charges are in the nature of an expense, and are incurred by the holder of the account; tax credits and benefits are payable in order to help customers meet their expenses, and as such it is legitimate for banks to deduct charges from the balance of an account held in that bank, whether the money paid into the account comes from tax credits, benefits or other sources, such as earnings."

Source: Sections187and45 - epetition response | Number10.gov.uk

[Mar.cresham]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Thanks for getting back to me.


But the bank calls it a charge so as that act says

every agreement to assign or charge such benefit shall be void;

So if the bank tells me its a charge then sould it not be covered by that act?

[natweststaffmember]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Thanks for getting back to me.


But the bank calls it a charge so as that act says

But that is when the bank takes you to court for it.

[Mar.cresham]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Il drop that part then lol Thanks there is just so much to get my head round for seeing them on monday. Its a worry that what iv set out in the file may not be what they want. Hope it is. Sould the 1000 plus in 12months not make me a hardship case anyway? This is all mad like

[scoobydoo]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Unfortunately the waiver guidleines are only that- guidelines . However you do appear to meet the criteria. So it is worth persevering

If you have extremely pressing urgent debts then you could offer for part of the refund - if you get it to go direct to that source - mortgage or rent arrears for example.

If you are speaking to them on the phone and they do make you an offer - you do not have to agree at once you can ask them to confirm in writing and make sure it is clear that you can proceed to claim the balance in the future if say the waiver is lifted.

[Mar.cresham]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Im having a sit down meeting with them on monday they ask for that.

[scoobydoo]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Did you find the waiver guidelines ?

That maybe worth taking with you.

Do you have a list of what you consider your priority debts to be - so you are clear on that.

[Mar.cresham]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Hi.

Yes i found the waver (Have now a copy of it in the file iv done up for the bank) on fsa website. Iv done up the bills that need dealing with right away. Also have a letter from my landlord saying my rent is overdue. So fingers Crossed this does the job and gets it sorted. Like im happy to pay charges for my own mistakes but not at such a high rate and not for ones that are down to the bank them selfs.

[Paule]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

iv ask for near 2500

Can I just check how you came to this figure.

Have you been through all your statements to get all the charges listed?
Have you used one on the calculators to add these up along with the interest due?

Make sure you keep copies of all these documents and DONT give the originals back to the bank.

[Mar.cresham]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Yes i added it all up from the statements and that is without interest on it as iv not ask them for that just what they took.

Iv done two files the very same one for me and one for them.

Does the above info that i have in it seem ok?

[arunadasi]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

I'm glad to see you are getting the help you need. I'ma newbie at this and all I can offer is support... so here it is! Good luck on Monday. It sounds to me that you are i hardship so let's hope the people at the bank listen.

[Mar.cresham]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Just a we update on whats happen at the min.

Well as alot of you know I put in for hardship with the Bank of Ireland.

Sent off Frist letter on the 12/02/09 Giving two weeks got no word back so sent letter two again no word so rang the bank to be told the manager will ring you back 2maro never happend.

But 3 days later i got a letter saying they where looking at it. Then last weds i got a 2nd letter asking me to put together a load of info for them. Which my Dear son did (He has been great) So rang bank on thurs was told to come in today at 11 (was worrying myself sick all weekend about what would happen) Dear son came with me this morning and did all the talking and i have to say the young bank manager was so nice a great we girl.She talk over everything and said the the file my dear son did up would be such a help as it mead her job easyer. She looked at everything and said its not up to her but from what she could see from the file D.S did she feels i will get a refund. She also said the bank of ire does not give full refunds out but as my case was so bad she feels this is what they might do. So its just a case of waiting now she said i sould have word sometime in next 7 days.

HOPE ITS GOOD NEWS

[hoops-morton]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

wow , that sounds very hopeful to me , lets hope for good news real soon in the form of an offer.

[natweststaffmember]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Just a we update on whats happen at the min.

Well as alot of you know I put in for hardship with the Bank of Ireland.

Sent off Frist letter on the 12/02/09 Giving two weeks got no word back so sent letter two again no word so rang the bank to be told the manager will ring you back 2maro never happend.

But 3 days later i got a letter saying they where looking at it. Then last weds i got a 2nd letter asking me to put together a load of info for them. Which my Dear son did (He has been great) So rang bank on thurs was told to come in today at 11 (was worrying myself sick all weekend about what would happen) Dear son came with me this morning and did all the talking and i have to say the young bank manager was so nice a great we girl.She talk over everything and said the the file my dear son did up would be such a help as it mead her job easyer. She looked at everything and said its not up to her but from what she could see from the file D.S did she feels i will get a refund. She also said the bank of ire does not give full refunds out but as my case was so bad she feels this is what they might do. So its just a case of waiting now she said i sould have word sometime in next 7 days.

HOPE ITS GOOD NEWS

Tell your son, he is a star. I hope you get word from BoI soon.

[scoobydoo]

Re: OMG Help iv my claim in,Now bank want to see me dont know what im ment to do?????

Glad today was not too bad for you and hope you get good news soon