Bank Charges Financial Hardship Disussion

natweststaffmember

donyoung wrote: »

got my final response a while back and been letting the FOS deal with it
2day i phoned the bank and the say thay sent a letter to the fos yestrday,
does any1 know what i could be expecting?

the lass i spoke to at the fos said she could see i was in hardship and thot there offer ws unacceptable

im not building my hopes up tho

If the bank made an offer then. Let's wait and see and please update the thread.

donyoung

natweststaffmember wrote: »

If the bank made an offer then. Let's wait and see and please update the thread.

i send my final responce to the fos the offered sumthing like 150quid between 2 accounts whenmy claim was for just over 4000 plus iv been getting charged after i sent that off.
the fos sent all my stuff back to me and i foned to see what was happening and she said i cant do anything tilll i get a final responce from the bank, i was like HELLO i sent it to u and u just sent it back!

she said sorri and said she will do what she can to help since it was there fault no1 look properly at the stuff i sent them , i wasnt to bothered cos they must have millions of bits of paper infront of them

natweststaffmember

donyoung wrote: »

i send my final responce to the fos the offered sumthing like 150quid between 2 accounts whenmy claim was for just over 4000 plus iv been getting charged after i sent that off.
the fos sent all my stuff back to me and i foned to see what was happening and she said i cant do anything tilll i get a final responce from the bank, i was like HELLO i sent it to u and u just sent it back!

she said sorri and said she will do what she can to help since it was there fault no1 look properly at the stuff i sent them , i wasnt to bothered cos they must have millions of bits of paper infront of them

I hate rejection of offers. You need a financial hardship closure letter from the bank because without that it is difficult to advise on how to tackle them. Rejecting anything on the basis of how much it is, is not the right thing if it alleviates financial hardship in anyway. Negotiating is the key.

EDIT: the fos will agree with the bank if you do not have an argument which will be made from a financial hardship closure letter.

donyoung

natweststaffmember wrote: »

I hate rejection of offers. You need a financial hardship closure letter from the bank because without that it is difficult to advise on how to tackle them. Rejecting anything on the basis of how much it is, is not the right thing if it alleviates financial hardship in anyway. Negotiating is the key.

EDIT: the fos will agree with the bank if you do not have an argument which will be made from a financial hardship closure letter.

how would i go about getting a closure letter??

i rejected it because it felt like a kick in the teeth ,iv probs spent more on contacting them . if it was a decent sensible offer id have bitten there hand of but just felt like they were trying there luck ,and no matter how skint i am i will not b mugged off by the banks anymore

jo-taylor_3

natweststaffmember wrote: »

Do you have their personal reserve?
Did they say why they are only refunding £311.00?

yes, some is for the use of a pesonal reserve. the letter said that they accept my claim of financial difficulty and that £300 was a goodwill gesture paid into my account. my complaint regarding unauthorised bank charges would be dealt with once legal procceedings between the banks and oft were finished.

natweststaffmember

donyoung wrote: »

how would i go about getting a closure letter??
You need to ask them for one so you can go to the Financial Ombudsman Service.
i rejected it because it felt like a kick in the teeth ,iv probs spent more on contacting them . if it was a decent sensible offer id have bitten there hand of but just felt like they were trying there luck ,and no matter how skint i am i will not b mugged off by the banks anymore

If you aren't in financial hardship you reject offers but if you are then you accept and ask for more. If the bank say No then you have to argue that the banks reasoning is wrong in the amount they gave otherwise they will uphold the decision made. Let's not mess around here. The banks do not have to refund even 1p under financial hardship and if you reject offers then they can effectively make you wait or you can let the FOS agree with them.

natweststaffmember

jo-taylor wrote: »

yes, some is for the use of a pesonal reserve. the letter said that they accept my claim of financial difficulty and that £300 was a goodwill gesture paid into my account. my complaint regarding unauthorised bank charges would be dealt with once legal procceedings between the banks and oft were finished.

You need a financial hardship closure from the bank or a final response from Barclays which should outline their reasoning for the offer because then we can see if there is any room to increase it.

mummy2be2threeboys

Hi,
Im new to the forum.
I would like to reclaim my bank charges from Barclays under the financial hardship rule...just wondered if i would be considered?
I am a single mum,(as of recent) i am currently on benefits as i am a stay at home mum. My boys are 2nhalf and 8months..i am also currently 6months pregnant with my 3rd baby. My account is overdrawn by £165 atm and i live in that. I keep getting hefty charges each month which leaves me unable to meet my babies needs and have to borrow from my mum.

Please tell me there is hope?
Also, could you please tell me the address to send my letter requesting my money to? I bank with Barclays.

Many thanks in advance xx

firefly111

Id be eternaly greatful if anyone could help......
I claimed financial hardship back in april this year and was awarded half the charges back after paying some things off completely and getting up to date with some other payments i was back to square one, overdraft used up and now upto the limit on the reserve of £500, as a single mum of two small boys being on benefits life is a big enough struggle but yesterday found out that barclays had taken £136 of charges that were incurred last month, on the letter they send out it says they will charge me after 14 days nothing about taking it all in one lump and leaving me with no money, i was at the supermarket when i found out and couldnt believe it, no food, no milk and on emergancy electric. I called them for around an hour and got no where, i was shocked i never swore but kept my composure and kept asking them to tell me how im supposed to live with nothing, the supervisor was no help and actually stopped talking, just left me on the line and didnt utter a word which took all my credit! I was completely devistated and didnt know what to do next, do i go to citizens advice, do i sit in the branch with my screaming kids until someone removes us from building, i just dont know.

But i did remember someones reply to a thread about banks not being able to take charges from benefits and if its true could someone tell me what i can quote to them to get some money back???

natweststaffmember

mummy2be2threeboys wrote: »

Hi,
Im new to the forum.
I would like to reclaim my bank charges from Barclays under the financial hardship rule...just wondered if i would be considered?
I am a single mum,(as of recent) i am currently on benefits as i am a stay at home mum. My boys are 2nhalf and 8months..i am also currently 6months pregnant with my 3rd baby. My account is overdrawn by £165 atm and i live in that. I keep getting hefty charges each month which leaves me unable to meet my babies needs and have to borrow from my mum.

Please tell me there is hope?
Also, could you please tell me the address to send my letter requesting my money to? I bank with Barclays.

Many thanks in advance xx

anyone can claim back bank charges so yes you can reclaim.
The address is below
BARCLAYS BANK PLC
Retail Banking Customer Relations.
LEICESTER
LE87 2BB