Bank charges out of child tax credits?

[serena88]

Hello, apologies if I'm posting in the wrong place

This morning my bank took 88.00 out of my 102.00 child tax credits.

Can they do this?

I know at least 2 of these 8.00 charges are for my loan payment to them which was arranged over the phone to go out on a Saturday as that's when money goes in. They agreed this on the phone and then we noticed it was attempting to go out on Fridays. I rang them again and they said they "didn't do Saturdays" so had made it Friday instead. Which was useless as I had explained on the phone, Saturday is the only day i have guaranteed money. So we arranged for it to go out on Mondays, as by Friday the account is usually empty.

I now have 20.00 for food/electric over xmas, never mind the fact they will attempt to take their 25.00 loan payment on Monday...

Thanks for any help!

[dark vader]

have they taken it out of the benefit before it hit the bank or when the funds hit your bank account ?

[serena88]

I only have mobile banking app to go on, but it is showing as the tax credits went in and then the 88.00 went out afterwards.

[dark vader]

I think the best thing would be if you open another bank account with another bank and have your benefit paid into it so you have total control over this situation and it wont leave you short again and then you pay into the existing account what you can afford , this solving the issue.

[maroondevo52]

Hi,

 

I'd give them a phone and ask them to refund the charges, was the remainder of the amount they debited due to go out on the day it did.

[dx100uk]

BCOBS!!

 

dx