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Post Office Card Accounts
- Scott
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9 years 3 weeks ago #157551 by Scott
Post Office Card Accounts was created by Scott
Hi, out of the blue i have received a letter from HM Government stating that I must open a bank account to be used for receiving my benefits. I have until now used my Post Office Card Account, which was basically forced upon me by the Jobcentre some years ago as they were doing away with GiroCheques.
I'v not had a bank account for over ten years now due to financial difficulties I suffered in the past and I don't want or need one now. What should I do?, I'd like to stay with the Post Office but looking online I see they charge £5 per month for a Cashcard Account and, it's either that or a Current Account with direct debits etc. which I definately don't want.
Any advice welcome
Thanks
I'v not had a bank account for over ten years now due to financial difficulties I suffered in the past and I don't want or need one now. What should I do?, I'd like to stay with the Post Office but looking online I see they charge £5 per month for a Cashcard Account and, it's either that or a Current Account with direct debits etc. which I definately don't want.
Any advice welcome
Thanks
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- Gordon
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9 years 3 weeks ago - 9 years 5 days ago #157563 by Gordon
The problem appears to be that Post Office accounts use a unique electronic service to transfer money in and out, current benefits support this service, but Universal Credit does not and will not.
So at the moment you do not need to do anything, but when your benefits are moved to UC you may not have a choice.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems
Replied by Gordon on topic Post Office Card Accounts
Scott wrote: Hi, out of the blue i have received a letter from HM Government stating that I must open a bank account to be used for receiving my benefits. I have until now used my Post Office Card Account, which was basically forced upon me by the Jobcentre some years ago as they were doing away with GiroCheques.
I'v not had a bank account for over ten years now due to financial difficulties I suffered in the past and I don't want or need one now. What should I do?, I'd like to stay with the Post Office but looking online I see they charge £5 per month for a Cashcard Account and, it's either that or a Current Account with direct debits etc. which I definately don't want.
Any advice welcome
Thanks
The problem appears to be that Post Office accounts use a unique electronic service to transfer money in and out, current benefits support this service, but Universal Credit does not and will not.
So at the moment you do not need to do anything, but when your benefits are moved to UC you may not have a choice.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems
Last edit: 9 years 5 days ago by Gordon.
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- dribble
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9 years 2 weeks ago #157938 by dribble
Replied by dribble on topic Post Office Card Accounts
I have just ignored the letter they sent as I am not affected re: UC. Shall wait and see what happens in the future.
Good Luck
Good Luck
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- taylor
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9 years 1 week ago #158541 by taylor
Replied by taylor on topic Post Office Card Accounts
I have received one of these letters today asking me to change from the post office account to a bank account.
I am not affected by UC.
I receive ESA contribution based only and I do not receive housing benefit or council tax benefit.
Does anyone know if they are doing away with post office accounts altogether, as I say Universal credit does not affect me, so I am wondering why they have asked me to change ?
The letter says that I have to telephone (I dont cope with phone calls) or there is a form included to return to them.
Thanks.
I am not affected by UC.
I receive ESA contribution based only and I do not receive housing benefit or council tax benefit.
Does anyone know if they are doing away with post office accounts altogether, as I say Universal credit does not affect me, so I am wondering why they have asked me to change ?
The letter says that I have to telephone (I dont cope with phone calls) or there is a form included to return to them.
Thanks.
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- Gordon
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9 years 1 week ago #158562 by Gordon
At the moment it is unclear how Contribution Based benefits such as ESA(CB) and JSA(CB) will be paid, but it's not impossible for these to be managed through the Universal Credit system even if the claimant is not technically receiving a UC payment.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems
Replied by Gordon on topic Post Office Card Accounts
taylor wrote: I have received one of these letters today asking me to change from the post office account to a bank account.
I am not affected by UC.
I receive ESA contribution based only and I do not receive housing benefit or council tax benefit.
Does anyone know if they are doing away with post office accounts altogether, as I say Universal credit does not affect me, so I am wondering why they have asked me to change ?
The letter says that I have to telephone (I dont cope with phone calls) or there is a form included to return to them.
Thanks.
At the moment it is unclear how Contribution Based benefits such as ESA(CB) and JSA(CB) will be paid, but it's not impossible for these to be managed through the Universal Credit system even if the claimant is not technically receiving a UC payment.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems
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