Jobseekers Allowance and Bank Charges
22 December 2009, 01:29 PM
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Jobseekers Allowance and Bank Charges
Has anyone ever had bank charges while on JSA? I've read that it is illegal for them to take it if your only income is from benefits.
Bank charges from JSA? - Sheffield Forum
Is the bank taking your Benefits ? - The Consumer Forums
Hi,
hope I've posted this in the right place, please move if not.
section 187 of the Social Security Act 1992
...................
However, there is an Act of Parliament which over-rides this 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 is an identical provision to the said section 187 of the 1992 Act.
This stipulates that the bank can not apply any charges to money received as benefit, and any such charges are unlawful and therefore disallowed.
hope I've posted this in the right place, please move if not.
section 187 of the Social Security Act 1992
...................
However, there is an Act of Parliament which over-rides this 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 is an identical provision to the said section 187 of the 1992 Act.
This stipulates that the bank can not apply any charges to money received as benefit, and any such charges are unlawful and therefore disallowed.
Is the bank taking your Benefits ? - The Consumer Forums
22 December 2009, 03:35 PM
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Doesn't look like its as straight forward as that.
According to the link, you need to send a letter each time a payment is being payed in by the DWP or IR. Looks like its only those payments that can be protected.
According to the link, you need to send a letter each time a payment is being payed in by the DWP or IR. Looks like its only those payments that can be protected.
22 December 2009, 08:39 PM
#3
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I was advised not to have my JSA put straight into my account due to this very reason. That was 3/4months ago and i'm only now getting back into financially harmony!
22 December 2009, 08:52 PM
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Prbably alot of red tape when i was out of work last year we were getting around 25-50 quid per month bank charges by HSBC. Thats right i will name and shame them.
Every occasion we rung and explained we simply cannot afford that type of money and that them taking the charge would result in other bills not getting paid. And that would then promote yet another charge.
They basically turned round and said so what manage your money better. Total t@ssers.
Every occasion we rung and explained we simply cannot afford that type of money and that them taking the charge would result in other bills not getting paid. And that would then promote yet another charge.
They basically turned round and said so what manage your money better. Total t@ssers.
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