Bank Charges Financial Hardship Disussion

natweststaffmember

norwichkaren wrote: »

Yes we have priority debt on all of them and I sent them copies of all the bills etc. They agreed today that they accept I am in hardship and a letter will be on its way to me, but they will not pay out still.

They also said I need to go through to their money matters debt help team and speak to them before they will help me anymore, but they have sent me a final letter which I should get soon.

Do you have any repayment arrangements to clear the arrears from the priority debts?

norwichkaren

natweststaffmember wrote: »

Do you have any repayment arrangements to clear the arrears from the priority debts?

No, they didnt ever ask me to. They wrote to me a few times telling me I was overdrawn and telling me what charges they were adding on and then a few months later I got a letter saying the account was now closed. That was it?

natweststaffmember

norwichkaren wrote: »

No, they didnt ever ask me to. They wrote to me a few times telling me I was overdrawn and telling me what charges they were adding on and then a few months later I got a letter saying the account was now closed. That was it?

I meant from those who are owed money ie rent/mortgage, utilities, council tax

norwichkaren

natweststaffmember wrote: »

I meant from those who are owed money ie rent/mortgage, utilities, council tax

Ah ok - yes they are being paid off in installments now, but Halifax don't know that.

natweststaffmember

norwichkaren wrote: »

Ah ok - yes they are being paid off in installments now, but Halifax don't know that.

The it's not hardship. and the arrears notices may well show that if they ask for proof as will the FOS so unfortunately I don't think there is a case on financial hardship.

chicqa

Hi All,
Can you please tell me the timescale in which the banks need to come back to you once you have filled out the hardship questionnaire??
My financial situation is getting out of control.


Thanks in advance

Chicqa

bekki0405_2

chicqa wrote: »

Hi All,
Can you please tell me the timescale in which the banks need to come back to you once you have filled out the hardship questionnaire??
My financial situation is getting out of control.


Thanks in advance

Chicqa

They have 8 weeks from the time you challenged the legal hold due to financial hardship. I actually waited 8 weeks to the day for Halifax to give me a response, despite calling twice a week every week.
Which bank is it?

norwichkaren

Hi can anyone tell me for certain if a bank has to provide you with a list of charges and assess your claim for financial hardship if an account is closed.

I am currently on the phone to Halifax arguing that they should still be providing me with a list of charges I requested and assessing my claim as they closed the account a few months ago and it has thousands of charges on it?

But they argue I am not entitaled to anything if the account is closed?

Do I have any legal paperwork of FSA rulings I can quote to them to prove them wrong on this?

norwichkaren

I am so going to scream in a minute! I am being driven mad with Halifax Bank and their stupid delaty tactics they keep playing!!! I have now been told that I need to call the Money Matters team who are a debt management team to go through my personal circumstances thoroughly with them before the Complaints team will assess my harship claim any further. They have already had an inc/exp form from me which was 3 pages long and very detailed already AND they have already accepted my hardship, but now I need to call them for an hours phone call to discuss it again? How is that helping someone in financial hardship?

I have lodged my case with the Info commissioners office today as their 40 days is up and I have filed a case with the BOS. Should I also go down the route of an online court case do you think?

levetti

I am in the same position with Halifax Bank. I received a third letter (identical to the previous 2) stating that their money management team will contact me to discuss ways on how to manage my money. I am unemployed, with no partner, trying to survive solely on benefits and have a 17 yr old son in full time education who I obviously have to support financially as well. How can a money management team say I'm not in financial hardship?

I have called the FOS this morning and they are going to write to Halifax on my behalf to say they are dealing with my claim.

Will sending a copy of utility arrears, council tax arrears and bailiff letters help convince the bank that I am experiencing difficulties?