Bank Charges Financial Hardship Disussion

natweststaffmember

tiddler66 wrote: »

yes i sent it recorded delivery. and no i hav'nt opened another account yet i have nothing to put in it! thanks gaz

To open an account you do not need to have a single pound to pay into it. You need ID for yourself and a second piece for address.

tiddler66

what should i do about the money being paid into my hsbc account. ps what should i call you? gaz

tiddler66

yes the claim was for hardship. gaz

natweststaffmember

tiddler66 wrote: »

what should i do about the money being paid into my hsbc account. ps what should i call you? gaz

you can call me anything you like, "prat" "nattie" "NWSM" "banker" "oi you". You can choose but be gentle .

I think you need to get a new account open ASAP. If it is wages, see if your work can recall the payment, if it is benefit then give me a shout cos you should be able to use the first right of appropriation on that money.

urgenthelp_2

natweststaffmember wrote: »

Make the ombudsman aware of this £12.50 issue as well because helping customers in financial hardship by getting them to take out an account that adds to that hardship is bad customer service.

Thanks for your help I have now written to FO today again re the Halifax - and their charges and advice. Do you think I should also write to the Halifax again? or do I continue to liaise with the FO?

natweststaffmember

urgenthelp wrote: »

Thanks for your help I have now written to FO today again re the Halifax - and their charges and advice. Do you think I should also write to the Halifax again? or do I continue to liaise with the FO?

I think I would continue to liase with the FOS since Halifax seems to have really messed this one up, IMHO.

bluepricey

hi nwsm i've just been told by the natwest that i'm not in financial hardship but our circumstances have now changed hubby now claiming jsa was self employed before spoke to natwest and they said if i send a letter in explaining circumstances have changed they'll look again would you do this or go the fos route thanks in advance

Natski

Amount claimed: £1800
Amount received (so far): £250

Hello all,

Just a quick update to inspire those of you chasing HSBC for your charges. I've just received £250 from them straight into my bank account after submitting a claim. :j
I sent my first letter at the end of April, and received the money a couple of days ago. Admittedly, this could have been sped up considerably if I'd replied to their letters more qucikly than I did (3-4 week delay each time); they, on the other hand, always came back to me within the 14 days, as I had requested.
You're probably wondering why I'm not really angry that I haven't been given the full amount. Well, firstly, I am angry actually, but I have asked them to reassess my claim, taking into account evidence of my priority arreas whcih total £1600. I sent this back along with the acceptance form for the £250, but as yet, I haven't received anything in response, just the £250 into my account. At the end of the day, every little bit helps, and this money means that I've managed to not exceed my o/d this month, therefore not inccurring any charges next month.:j

Whilst I do still have priority debts to clear, I already know now that I'm going to have over £100 extra next month to put towards them, as I won't have any charges, so it's a step in the right direction. My complaint is also with the Ombudsman, so fingers crossed HSBC do the right thing and send me the rest!
Good luck to the rest of you, will keep you posted on the outstanding £1550 refund!
Natski

P.s. Thanks to Natweststaffmember who gave sound advice! :T

natweststaffmember

bluepricey wrote: »

hi nwsm i've just been told by the natwest that i'm not in financial hardship but our circumstances have now changed hubby now claiming jsa was self employed before spoke to natwest and they said if i send a letter in explaining circumstances have changed they'll look again would you do this or go the fos route thanks in advance

I would start with the bank but can I ask if you have priority debt arrears(mortgage/rent, council tax, utilities)?

bluepricey

natweststaffmember wrote: »

I would start with the bank but can I ask if you have priority debt arrears(mortgage/rent, council tax, utilities)?

yes still owe some of last years c/tax and have rent arrears but this years rent and c/tax will be covered by housing benefit hopefully thanks for swift reply