As of: February 27, 2024, 5:44 p.m
By: Stella Henrich
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The account of the Rostock couple Maik and Janette was blocked.
Now they don't get their social benefits.
But without the citizen's money, things will be tight for the two of them.
Rostock – The income is not much, but without the social benefits they would be in a difficult situation, Maik admits to
RTL2.
Recently Maik was even attacked in his apartment.
Despite these challenges, he and his wife Janette recently organized a birthday party for their friend Mazze.
They bought cake and champagne and created an atmospheric atmosphere in their apartment with party decorations.
Mazze was visibly touched by the invitation.
But in the future, those receiving citizens' benefit will probably have to cut back on their financial expenses.
Citizens' benefit recipients with a blocked account: the couple Maik and Janette now have 350 euros left
RTL2.de
reports on the couple from Rostock
in the program “Hartz und Herzen”.
It is a social documentary that depicts the everyday lives of people in socially disadvantaged areas and accompanies them in their daily lives.
Most of these people have to survive on low incomes.
The couple from Rostock is no exception as they usually live on citizens' money.
Together they receive 700 euros.
This former citizen's benefit recipient also had to make do with state support.
And now he even wants his citizens’ money back.
The standard rate for recipients has been this high since January.
“Hartz and cordial”: The account of the Rostock couple Maik and Janette was blocked.
© RTLZWEI
According to a report from
mannheim24.de
by
IPPEN.MEDIA
, which refers to an episode of the documentary soap, Maik and Janette's account was blocked.
This happens if someone frequently and significantly overdraws their account or if there is a seizure.
The Rostock couple is shocked and panicked because the lockdown apparently came unexpectedly.
Without access to their account, they have to manage the month with just 350 euros.
This amount must be enough for electricity, insurance and other expenses.
Citizens' benefit recipients in panic: Nobody will lend them money
It is unlikely that they will be able to borrow money from anyone.
At least that's what the Rostocker explains.
Those affected should therefore be aware of the consequences of blocking an account.
According to s
chuldnderberatung.de
, it is best to contact your bank directly in such a case.
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Consequences of account suspension
If the account is blocked, the account holders can no longer access the money that is in it.
Withdrawals cannot be made, nor can transfers or standing orders be carried out.
According to
finanzen.net,
this can lead to serious problems, especially if debts are not paid and possibly result in a negative Schufa entry due to non-payment.
The money remains in the account, but the account holder is no longer able to access it if the account is blocked.
According to kreditnerberatung.de
, the duration of the account blocking depends
on the reason for the blocking.
Misunderstandings and problems affecting the contractual relationship with the bank may be able to be resolved quickly.
However, if there is suspicion of a crime, the blocking can take significantly longer.
Suspicion of money laundering can also lead to blocking.
Maik and Janette are obviously not looking for the way to their bank.
They choose a different path.
You decide to open a new account in order to have your social benefits transferred to it by the job center.
You're in luck at Postbank, where Janette can open a new account for five euros, as
mannheim24.de
reports.
However, if you want to open an account online with Sparkasse or ING Bank, you may encounter higher hurdles.
Unexpected account suspension: Couple's problem with new account not resolved
Even if the citizen's money is now received in the new account, the debts and the blocking of the previous account remain for Maik and Janette.
So the actual problem is not solved.
A Schufa entry also remains, even if it is only for a few euros.
The report on child poverty in Germany, which children fall into when their parents are heavily in debt, is also frightening.
For many there will then be no escape from the social system of state benefits.
Low-income earners, on the other hand, are now wondering whether working is actually still worth it?
(sthe)
The editor wrote this article and then used an AI language model for optimization at her own discretion. All information has been carefully checked. Find out more about our AI principles here.