Bank Charges Financial Hardship Disussion

natweststaffmember

Sappoo21 wrote: »

Do you have priority debt arrears(mortgage.rent, council tax, utilities)?
Yes all of them and all are with debt collects
What did the final response from Nationwide state to you?
After careful consideration of the information you have supplied I'm unable
to refund charges on this occassion. You declared a defficit of £150.00
per month; however you have no arrears and no debt, which does not seem to reflective of the situation of someone who has been in hardship since August 2007. In view of this we are unable to agree to refund charges.
However we will review our decision if you provide us with further information relating circumstances. We realise that our answer will disappoint you however we trust that we have clarified our position.
so I am going to send them every court threat direct debit return letter I have.
and a letter explaining the FSA definition of hardship which I got from this site
which is completely my situation also I have let the FSA have all my correspondence that i have done recently so they can decide.

If the debts are with debt collectors then are you paying off the arrears or paying an amount that you can afford?
Furthermore can you clarify just to be certain that you have Priority debt arrears(mortgage.rent(which you can lose your home), Council tax(which you can go to prison) and utilities(which could potentially lead you to being cut off))?
Usually, it;s NON Priority debts that go to debt collection, ie Credit Cards, Catalogues, etc,etc/

natweststaffmember

chippy37 wrote: »

Well i am gutted. i have just been on my internet banking for lloyds tsb. i had an overdraft of £200 which i have said before i have been paying it for over a year now. I have told them im in financial difficulty. They upped my overdraft limit a little higher so i was below what i owed them. Now just looked, saturday i was £277 dr, now they have put me back to £450+.dr. So i am well over my overdraft limit and there is know way i can make it up by tomorrow. so i am going to get charges every day until i pay the full lot off. i CANT DO IT. PLEASE HELP!!!!!

Do you have priority debt arrears?
Are any of the arrears being paid off?

natweststaffmember

wisnaeme wrote: »

Hello, New to all this. I have a claim sitting with HBOS for around £3000 that was submitted back in 2007. I was thinking of going down the financial hardship route. I have since received more charges and would like to know if I need to submit another claim or will the bank provide a new total when I request the financial hardship route ?? All help greatly appreciated .

Yes absolutely you do. You can claim charges back to July 2001 on Bank Charges.

natweststaffmember

donyoung wrote: »

yeh live on my own ,rent ,c-tax all behind
yes card charges , the insurance of my bike is 20quid a month but i always got charged an extra 40 cos i missed it so had to cancel it , sky cut off basicly everything i dont really need is cancled and just cant seam to get rid of bank charges

iv told them aswell that when refunded i would be clearing all debt with the bank, i thought that would kind of help , mibe i was wrong to

if i got a full(ish) refund it would get me out of owing rent, tax , credit card and loan, which would help , all iv read on here is people asking for a refund and forgeting about it then get a payment, i cant forget money worries is with me 24.7 but everything happens for a reason , mibe they will pay me a huge compo payout for the stress lol

I would claim the charges back on the credit card as well

Sappoo21

natweststaffmember wrote: »

If the debts are with debt collectors then are you paying off the arrears or paying an amount that you can afford?
Furthermore can you clarify just to be certain that you have Priority debt arrears(mortgage.rent(which you can lose your home), Council tax(which you can go to prison) and utilities(which could potentially lead you to being cut off))?
Usually, it;s NON Priority debts that go to debt collection, ie Credit Cards, Catalogues, etc,etc/

Yes I have all the priority debt arrears council tax court arrears and utility
arrears and credit card arrears my mortgage is on a suspended order but this is causing me to fall behing with everything else and know have just been made redundant. Are Nationwide particularly bad to claim from. I was thinking of sending all my court letters and missed payment letters and a new statement of means I did with National debtline or should i just wait know for the fsa ruling however long it will take.
help gratefully received

natweststaffmember

Sappoo21 wrote: »

Yes I have all the priority debt arrears council tax court arrears and utility
arrears and credit card arrears my mortgage is on a suspended order but this is causing me to fall behing with everything else and know have just been made redundant. Are Nationwide particularly bad to claim from. I was thinking of sending all my court letters and missed payment letters and a new statement of means I did with National debtline or should i just wait know for the fsa ruling however long it will take.
help gratefully received

Send a new statement of means to Nationwide PLUS have you thought about claiming back the charges on the credit card since there is no hold on those claims ?

Zade77

Zade77 wrote: »

Hi, i have 3 accounts with Lloyds TSB which have charges dating back to 2002 and which amount to 12k between them. I went down the financial hardship route as i have a debt management plan with the C.C.C.S. which i had to take out in March 2006 as i did not have enough money to pay the bills each month (we are still on this plan now).

I sent my claim letters for each account to Lloyds on the 8th July 09. Then i received some letters back from them dated 10th July 09 (which i was impressed with) they state that they have received my complaint and are very sorry to hear i have some concerns, then go on to say they will get back to me in 4 weeks.

Just wanted to know if u thought this was acceptable, as in the template letter i sent to them it stated that i would like an answer within 14 days, should i just accept it will take 4 weeks or should i be on thier case to get back to me sooner?

Many Thanks.

I received some letters from lloyds, but i'm not sure what they are saying? I have a link to them, i156.photobucket.com/albums/t32/zadeleth/scan0001.gif , i156.photobucket.com/albums/t32/zadeleth/scan0002.gif
can anyone explain in english what they are saying?
Thanks

wisnaeme

natweststaffmember wrote: »

Yes absolutely you do. You can claim charges back to July 2001 on Bank Charges.

I will get on it right away many thanks.. So to clarify i need to ask the bank for a new list of total charges dating back to July 01 and at the same time inform them that I am in Financial Difficulties ?

natweststaffmember

wisnaeme wrote: »

I will get on it right away many thanks.. So to clarify i need to ask the bank for a new list of total charges dating back to July 01 and at the same time inform them that I am in Financial Difficulties ?

You need the amount of the charges to claim firstly, then follow this guide:

http://www.moneysavingexpert.com/reclaim/bank-charges-hardship
Include an income and expenditure form(household)
plus any notices of arrears when you get to the stage of sending the first letter,

wisnaeme

I am Just off the phone to HBOS and they asked a few questions about my circumstances and will email my details across to their complaints department informing them I am going down the Financial Hardship route. I have been told it could take up to 5 working days before they contact me. I will keep posting on here…..Its great knowing there are several people in the same boat and several more good souls willing to help