Questions of Cash: Euro pension runs into a problem with Lloyds in the Isle of Man


Q. I receive a pension from the Netherlands. For four years my pension fund transferred my payments to my Lloyds offshore euro account in the Isle of Man without problem. In July, Dutch banks began implementing Europe's SEPA system. Now my Lloyds branch refuses to accept the payments. Lloyds told me to instruct the Dutch bank to revert to the old system as Lloyds in the Isle of Man is not changing to the SEPA system. YL, Somerset.

A. SEPA is the Single Euro Payments Area and is designed to speed up and improve payment transfers that are conducted in euros. As the Isle of Man is not part of the EU, banks there are not required to make their accounts SEPA enabled. However, Lloyds said: "We were unable to obtain evidence of any of [the reader's] pension payments being rejected. Spot checks were carried out on the pension payments coming into his account and I can confirm that all payments checked were credited effectively and timely without any problems or delays... Whilst Lloyds Banking International Ltd does not offer accounts based within the EU, we do offer some accounts, including euro accounts, which are SEPA enabled." We attempted to discuss the matter with your pension fund in the Netherlands, but were unable to locate anyone who spoke English. Meanwhile, you resolved the problem by closing the Lloyds account and opening a euro account with HSBC.

My daughter is British but I was denied child benefit

Q. In September 2007 I delivered my daughter at a London hospital. I applied for child benefit immediately, but this was denied. I appealed, but the tribunal decided I was not entitled to it because I was subject to immigration control and did not satisfy the prescribed requirement. I appealed again but benefit was again disallowed on the same grounds, that I am an asylum seeker. I was surprised to learn from the Home Office that my child was a British citizen by virtue of her father being British. If my daughter were British at birth, should she not be entitled to child benefit, regardless of my immigration status? Is it too late to claim my child-benefit entitlement now? TA, London.

A. A spokesman for HMRC responds: "Eligibility for child benefit depends on a number of different factors, but all are based on eligibility of the recipient – not the child. One of the main tests for child benefit is around residence – you need to have a 'right to reside' in the UK, or be an 'ordinary resident'. Further guidance can be found at

If the customer still feels she is eligible, she needs to contact the child-benefit helpline which will look into the details of her claim on 0300 200 3100." Pól Callaghan of Citizens Advice provided a more-detailed explanation. He said: "Child benefit is paid to a person who is responsible for a child or qualifying young person. The responsible adult must pass residence and presence tests and not be subject to immigration control. If you are subject to immigration control you do not have recourse to public funds. The immigration status of the child is irrelevant.

"You can backdate tax credits, child benefit and guardian's allowance to the date of your asylum application only if you have been granted refugee leave. You can't backdate these claims if you have only been granted other types of leave, as you must have been recognised as a refugee in accordance with the 1951 Refugee Convention to qualify. In general, a revision or supersession can only be applied within a time limit of 13 months."

Our English Dell computer wouldn't work in France

Q. We bought a Dell Vostro PC in April and a technician set it up in our English home. It seemed to work fine, so we took it to France. After a couple of days it stopped working. I phoned Dell, which said we had to speak to Dell France. After a long time on the phone we found it could not be fixed. I was promised by Dell in England that a technician would visit us in France. But Dell got confused and someone came to our house in England.

When we next visited France promised software had not arrived and the person who was going to home visit us had gone on holiday. We then took the PC back to England to request a replacement. We were told this was not Dell's policy, but they would send out a technician to replace the motherboard and hard drive. The computer is now working, but I want compensation for the £77.50 I paid to bring the PC back to England. PS, Buckinghamshire.

A. Dell points out that the collect and return warranty only applies in the UK. Dell says it was as a gesture of goodwill that it connected you with a service engineer in France. It was also, says Dell, a gesture of goodwill that it offered to send out a technician to your home address in England, although home service was also not included in the terms of your purchase. Its spokeswoman added: "Costs associated with the transport of the laptop between the two countries are the customers' own."

Questions of Cash cannot give individual advice. But we'll do our best to help if you have a financial dilemma. Email us at: questions

Independent Partners; Do you need financial advice on your investments, pension or insurance? Book a free consultation with an independent Financial Adviser at

Finacial products from our partners
Property search
  • Get to the point
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Ashdown Group: Marketing Manager - B2B, Corporate - City, London

    £45000 - £50000 per annum + benefits : Ashdown Group: A highly successful, glo...

    Neil Pavier: Commercial Analyst

    £50,000 - £55,000: Neil Pavier: Are you a professionally qualified commercial ...

    Loren Hughes: Financial Accountant

    £45,000 - £55,000: Loren Hughes: Are you looking for a new opportunity that wi...

    Sheridan Maine: Finance Analyst

    Circa £45,000-£50,000 + benefits: Sheridan Maine: Are you a newly qualified ac...

    Day In a Page

    General Election 2015: The masterminds behind the scenes

    The masterminds behind the election

    How do you get your party leader to embrace a message and then stick to it? By employing these people
    Machine Gun America: The amusement park where teenagers go to shoot a huge range of automatic weapons

    Machine Gun America

    The amusement park where teenagers go to shoot a huge range of automatic weapons
    The ethics of pet food: Why are we are so selective in how we show animals our love?

    The ethics of pet food

    Why are we are so selective in how we show animals our love?
    11 best bedside tables

    11 best bedside tables

    It could be the first thing you see in the morning, so make it work for you. We find night stands, tables and cabinets to wake up to
    No postcode? No vote

    Floating voters

    How living on a houseboat meant I didn't officially 'exist'
    Louis Theroux's affable Englishman routine begins to wear thin

    By Reason of Insanity

    Louis Theroux's affable Englishman routine begins to wear thin
    Power dressing is back – but no shoulderpads!

    Power dressing is back

    But banish all thoughts of Eighties shoulderpads
    Spanish stone-age cave paintings 'under threat' after being re-opened to the public

    Spanish stone-age cave paintings in Altamira 'under threat'

    Caves were re-opened to the public
    'I was the bookies’ favourite to be first to leave the Cabinet'

    Vince Cable interview

    'I was the bookies’ favourite to be first to leave the Cabinet'
    Election 2015: How many of the Government's coalition agreement promises have been kept?

    Promises, promises

    But how many coalition agreement pledges have been kept?
    The Gaza fisherman who built his own reef - and was shot dead there by an Israeli gunboat

    The death of a Gaza fisherman

    He built his own reef, and was fatally shot there by an Israeli gunboat
    Saudi Arabia's airstrikes in Yemen are fuelling the Gulf's fire

    Saudi airstrikes are fuelling the Gulf's fire

    Arab intervention in Yemen risks entrenching Sunni-Shia divide and handing a victory to Isis, says Patrick Cockburn
    Zayn Malik's departure from One Direction shows the perils of fame in the age of social media

    The only direction Zayn could go

    We wince at the anguish of One Direction's fans, but Malik's departure shows the perils of fame in the age of social media
    Young Magician of the Year 2015: Meet the schoolgirl from Newcastle who has her heart set on being the competition's first female winner

    Spells like teen spirit

    A 16-year-old from Newcastle has set her heart on being the first female to win Young Magician of the Year. Jonathan Owen meets her
    Jonathan Anderson: If fashion is a cycle, this young man knows just how to ride it

    If fashion is a cycle, this young man knows just how to ride it

    British designer Jonathan Anderson is putting his stamp on venerable house Loewe