Bank Charges Financial Hardship Disussion

Sappoo21

Nationwide refuse me even though
I am in danger of losing my house.
can't pay council tax, credit cards, water and many gas /electric bills
been made redundant a week and a half ago.
have contacted the FOS hopefully they will help.
why are they so bad.

scudleybear

alcrawford wrote: »

I made an initial claim (HSBC) in July 2007 dated before the original FSA ruling. It was still, however, put on hold quoting FSA as was not dealt with until after the ruling.

I have today sent a letter requesting that my case be looked at again both under 'hardship' guidelines and the fact the original letter/claim was submitted before the original suspension of normality.

They'll also be getting a Debt Management Plan letter shortly so hopefully they will finally realise my financial situation!

I will update when I get a response...

Hi there

I am just about to do the same thing today.

I put a claim in to HSBC in August 08 whilst the case was on hold. I however, am not totally sure that they received it as I got no response. I didn't realise to expect one until now due to it being on hold.

I have now put together a Financial Hardship Letter (including my original letter) to send out requesting that they review my case now.

Could you please advise me on whom/what address to send the letter to to guarantee that it is received as last time I send to my account branch?

gargrave50

Hi all, I am more of a regular on the debt free wannabee board, but really need your help with something.

We submitted a request for consideration under the hardship waiver for bank charges reclaim to Bank of Scotland. The claim totals around £3100. Today we received a letter acknowledging that we are in hardship and offering £560:j.

Now, I have read a good bit of this thread and the more recent posts which say that no offer is a full and final settlement however the acceptance letter I need to sign reads as follows:

I/we confirm that I/we accept a total amount of £560 in settlement of my/our unarranged overdraft bank fees complaint.

Now, I'm not happy to accept this as F&F, and don't like the way this is worded. I am happy to accept this as their final offer under the hardship waiver, and receive the balance pending the outcome of the test case. Is there a good template letter available which I could use to respond? Thanks for your input in advance!

debs16

i am so so annoyed wrote a letter begging nationwide to give me my charges back which is roughly 800 pounds as we are in an iva that has just failed and i was made redudant in march so things are really really hard as we are surviving on one income for me my hubbie and the two kids.
nationwide replied back that because i had not had any more charges eg overdrawn charges or unpaid direct debits charges since i was made redudant they do not think i am as bad as i say i am and i sent them a expentiure form so they must see how bad a situation i am in arghhhhhhhhhhhhhhhh i am so so so angry ,what should i do now arghhhhhhhhhhhhh
please help !!!!!!!!!!!!!1

debs 16

shirleyskidshome

Hi

Can anyone help advise we booked and paid fo a holiday flights seperate accomation and transfers paid by credit card and then the company went bust we claimed as advised under section 75 of the consumer credit act and after several months received a refund ...now 2 months later we have received a letter from our credit card company stating thaey are redebiting our account and we will have to make a claim through the caa help!!!!!

natweststaffmember

Sappoo21 wrote: »

Nationwide refuse me even though
I am in danger of losing my house.
can't pay council tax, credit cards, water and many gas /electric bills
been made redundant a week and a half ago.
have contacted the FOS hopefully they will help.
why are they so bad.

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

What did the final response from Nationwide state to you?

natweststaffmember

scudleybear wrote: »

Hi there

I am just about to do the same thing today.

I put a claim in to HSBC in August 08 whilst the case was on hold. I however, am not totally sure that they received it as I got no response. I didn't realise to expect one until now due to it being on hold.

I have now put together a Financial Hardship Letter (including my original letter) to send out requesting that they review my case now.

Could you please advise me on whom/what address to send the letter to to guarantee that it is received as last time I send to my account branch?

The Service Quality Team
HSBC Bank plc
Arlington Business Centre
Millshaw Park Lane
LEEDS
LS11 0PP

Furthermore include and income and expenditure(household)
http://www.hbeu1.hsbc.com/ukpersonal/budgetexpensescalc/ins.jsp

natweststaffmember

gargrave50 wrote: »

Hi all, I am more of a regular on the debt free wannabee board, but really need your help with something.

We submitted a request for consideration under the hardship waiver for bank charges reclaim to Bank of Scotland. The claim totals around £3100. Today we received a letter acknowledging that we are in hardship and offering £560:j.

Now, I have read a good bit of this thread and the more recent posts which say that no offer is a full and final settlement however the acceptance letter I need to sign reads as follows:

I/we confirm that I/we accept a total amount of £560 in settlement of my/our unarranged overdraft bank fees complaint.

Now, I'm not happy to accept this as F&F, and don't like the way this is worded. I am happy to accept this as their final offer under the hardship waiver, and receive the balance pending the outcome of the test case. Is there a good template letter available which I could use to respond? Thanks for your input in advance!

Write one yourself with their reference number on, ie I accept £560.00 as an interim payment of my bank charges claim and reserve the right to reclaim any outstanding amount at the conclusion of the OFT test case issues.

natweststaffmember

debs16 wrote: »

i am so so annoyed wrote a letter begging nationwide to give me my charges back which is roughly 800 pounds as we are in an iva that has just failed and i was made redudant in march so things are really really hard as we are surviving on one income for me my hubbie and the two kids.
nationwide replied back that because i had not had any more charges eg overdrawn charges or unpaid direct debits charges since i was made redudant they do not think i am as bad as i say i am and i sent them a expentiure form so they must see how bad a situation i am in arghhhhhhhhhhhhhhhh i am so so so angry ,what should i do now arghhhhhhhhhhhhh
please help !!!!!!!!!!!!!1

debs 16

That is unfortunately FSA compliant so what you need to argue is really how things have worsened since you were made redundant and how the charges have contributed to it. If you can;t then the FOS will uphold the decision made.

natweststaffmember

shirleyskidshome wrote: »

Hi

Can anyone help advise we booked and paid fo a holiday flights seperate accomation and transfers paid by credit card and then the company went bust we claimed as advised under section 75 of the consumer credit act and after several months received a refund ...now 2 months later we have received a letter from our credit card company stating thaey are redebiting our account and we will have to make a claim through the caa help!!!!!

You will need to ask this on the credit card forum and they will help you with this.