Bank Charges Financial Hardship Disussion

natweststaffmember

The Data Controller is for the Subject Access Request. I would say you can claim for further back.
Hmmm, do you have any credit card charges?
Any PPI with the loans?
Personally without priority debt arrears I think they may decline it however, the CC charges and PPI may be an easier route to go down to reduce the overall non priority debts.

rocjescai

natweststaffmember wrote: »

Have they given the reasoning behind their decision? If not I would write back asking for a final response so you can take it to the ombudsman. If they have sent a final response can you post it up minus your details so I can take a look and see if there is some leverage to get the FOS to get Co-op to relook at this one?

Hi their final response is that they have dealt with my complaint correctly in that they discussed my financial position with me & made a goodwill gesture of refunding me a £30 unpaid item charge.I have poseted all the information to the FOS including my budget.:mad:

elwolfio

Is it worth sending the initial letter again, or should i assume it has made its wayand send the LBA. If i need to resend where should i send it?
I do have cc charges however obviously nowhere near as much as the bank charges claim. I don't have any PPI.
If i am unsuccessful will i need to try again once the outcome of the court case is determined?

natweststaffmember

rocjescai wrote: »

Hi their final response is that they have dealt with my complaint correctly in that they discussed my financial position with me & made a goodwill gesture of refunding me a £30 unpaid item charge.I have poseted all the information to the FOS including my budget.:mad:

Was that it? When you go to the FOS you need to use their argument which should be a final response letter to argue your case. That doesn't appear to me to be a final response letter because it doesn't give the reasoning behind the decision.

rocjescai

Hi ,so do you think I still have a case?How long does it take for the FOS to respond?Thanks again for your brilliant advice!!

natweststaffmember

elwolfio wrote: »

Is it worth sending the initial letter again, or should i assume it has made its wayand send the LBA. If i need to resend where should i send it?
I do have cc charges however obviously nowhere near as much as the bank charges claim. I don't have any PPI.
If i am unsuccessful will i need to try again once the outcome of the court case is determined?

ok, I don;t have an address for HSBC on that one but I do have a phone number..not sure if that is any good but here it is 0845 600 6423. Might be worth a phonecall and ask them where to send the letter(apologies but the only other address I have is their head office one).

natweststaffmember

rocjescai wrote: »

Hi ,so do you think I still have a case?How long does it take for the FOS to respond?Thanks again for your brilliant advice!!

Write a letter in response and ask them for a final response. Make them aware you would like to know why they believed £30 was sufficient under financial hardship when you have priority debt arrears of x amount and income doesn't cover expenditure by x amount.

elwolfio

Absolute star. Thank you for your help!

Leigh

urgenthelp_2

natweststaffmember wrote: »

Yes, I do.

Let me take it back a bit. Has the refund of charges now meant that the account is back within the overdraft facility?
Has the overdraft changed at all since the period in which you reclaimed bank charges under financial hardship?
Can I clarify the amount of the charges back to July 2001 excluding interest?
Furthermore, on the priority debt arrears are there any payment plans in place to clear the arrears?

£5686 was the original amount up until the end of April 2009 - further charges of £1200 have been added as the account is overdrawn. The overdraft is £2000 and has always been in place - this has not changed since the claim. The balance on the account is -£3320.49 :mad: with the £1995 goodwill gesture already being paid in. They just keep adding more charges, interest and £12.50 per month for the account. How do I stop them from adding further charges and reclaiming back some more of these charges.

I am currently trying to set up repayment plans with the debts.

natweststaffmember

urgenthelp wrote: »

£5686 was the original amount up until the end of April 2009 - further charges of £1200 have been added as the account is overdrawn. The overdraft is £2000 and has always been in place - this has not changed since the claim. The balance on the account is -£3320.49 :mad: with the £1995 goodwill gesture already being paid in. They just keep adding more charges, interest and £12.50 per month for the account. How do I stop them from adding further charges and reclaiming back some more of these charges.

I am currently trying to set up repayment plans with the debts.

Are you using the account anymore?
Has the overdraft limit changed whatsoever in the entirety of your claim with them?