Bank Charges Financial Hardship Disussion

rocjescai

Hi,Im new to this forum but have been watching for a long time!!I applied to the co-op for all my bank charges to be refunded.I recieved a phone call yesterday from my case worker ,who after speaking to me for a while decided that I was in financial hardship.He said that if I couldnt meet future DD'S that they could offer me a temporary overdraft or temporarily suspend my DD'S!But then he said that they wouldnt be giving out any refunds until the case was resolved.So then I said could I go to the FOS,he then said I could escalate my case to another department who would decide if I should get a refund.He didnt give a time scale & I am a bit confused about my next move,should I wait for contact from them?tHANKS!!!

natweststaffmember

rocjescai wrote: »

Hi,Im new to this forum but have been watching for a long time!!I applied to the co-op for all my bank charges to be refunded.I recieved a phone call yesterday from my case worker ,who after speaking to me for a while decided that I was in financial hardship.He said that if I couldnt meet future DD'S that they could offer me a temporary overdraft or temporarily suspend my DD'S!But then he said that they wouldnt be giving out any refunds until the case was resolved.So then I said could I go to the FOS,he then said I could escalate my case to another department who would decide if I should get a refund.He didnt give a time scale & I am a bit confused about my next move,should I wait for contact from them?tHANKS!!!

Do you have priority debt arrears(mortgage/rent, council tax, utilities)?

rocjescai

yES i HAVE ABOUT 6 MONTHS MORTGAGE ARREARS & SECURED LOAN ARREARS & AM ALSO BEHIND ON MY ELECTRIC!

natweststaffmember

rocjescai wrote: »

yES i HAVE ABOUT 6 MONTHS MORTGAGE ARREARS & SECURED LOAN ARREARS & AM ALSO BEHIND ON MY ELECTRIC!

are there any payment plans on those priority debt arrears?(is secured loan on property? or is it a personal loan with PPI?)

rocjescai

Hi the secured debt is secured on my house & I am trying to claim the ppi.The mortgage isnt on any payment plan.

natweststaffmember

rocjescai wrote: »

Hi the secured debt is secured on my house & I am trying to claim the ppi.The mortgage isnt on any payment plan.

Have you claimed back to July 2001? What is the amount of arrears against the charges you have claimed?

rocjescai

Yes I have claimed back,the charges amount to £2290 & the arrears on the mortgage & secured loan are about £4000.

natweststaffmember

rocjescai wrote: »

Yes I have claimed back,the charges amount to £2290 & the arrears on the mortgage & secured loan are about £4000.

I think you have a chance to be honest at the minute.

rocjescai

Should I wait for a reply from them or should I phone them?
Thankyou so much for your speedy reply...I think you are brilliant with all your information!!

natweststaffmember

rocjescai wrote: »

Should I wait for a reply from them or should I phone them?
Thankyou so much for your speedy reply...I think you are brilliant with all your information!!

If they are already passing on the details the only thing they may need if you haven't already given them it is the priority debt arrears notices/letters.