Benefits & Bank Arrestments in Scotland

If a creditor arrests your bank account and your account income is derived mostly or wholly from social security benefits or tax credits, then this income may be protected against arrestment in law.

This may be in terms of Scots common law, section 45 of the Tax Credits Act 2002 and section 187 of the Social Security Administration Act 1992.

If your welfare payments are arrested here is a standard letter your advisor (or you) can send to the Sheriff Officers to seek release of your money:

Pro Forma Letter :
(PDF) or (html)

If you bank applies charges in processing a bank arrestment where your account income is derived mostly or wholly from social security benefits or tax credits, then your advisor (or you) can send this pro forma letter to your bank to request a refund of bank charges:

Pro Forma Letter :
(PDF) or (html)

If you are successful in getting monies released or charges refunded, let us know at: mail@bankcharges.info.