Bank Charges Financial Hardship Disussion

alliduk

natweststaffmember wrote: »

I think you made a mistake rejecting the financial hardship offer. I would never advise rejecting an offer but accept and attempt to negotiate. The issue at the moment is perhaps about the paperwork that the FOS are having to obtain from Halifax. Normally with a financial hardship final response letter it should take 12 weeks maximum but clearly this may not be as straight forwards as it may seem.
Can I ask if you have cleared some of the loan arrears?
Make the FOS aware of the demand from inland revenue btw.

Many thanks for posting a response.

My wording regarding their offer was actually that I acknowledge receipt of their offer - as they paid it direct into my loan arrears I had no choice but to accept that but that I wanted to pursue the full amount. I suggested I waive the interest but got no response. I explained this to the FOS and they said the Abbey should not put the money direct into a loan account especially as the current account was overdrawn.


The reason the loan arrears is now so high is that I am unable to make the monthly payments.

Thanks for the tip regarding letting the FOS know about my IR demand.

Am hoping my case gets assigned a case worker soon and that I get a swift response.

The thing that gets me the most is that if the Abbey pay back the full amount, I could not only clear the loan arrears and current account arrears but it would actually put me back in the black for the first time in a long time.

natweststaffmember

alliduk wrote: »

Many thanks for posting a response.

My wording regarding their offer was actually that I acknowledge receipt of their offer - as they paid it direct into my loan arrears I had no choice but to accept that but that I wanted to pursue the full amount. I suggested I waive the interest but got no response. I explained this to the FOS and they said the Abbey should not put the money direct into a loan account especially as the current account was overdrawn.


The reason the loan arrears is now so high is that I am unable to make the monthly payments.

Thanks for the tip regarding letting the FOS know about my IR demand.

Am hoping my case gets assigned a case worker soon and that I get a swift response.

The thing that gets me the most is that if the Abbey pay back the full amount, I could not only clear the loan arrears and current account arrears but it would actually put me back in the black for the first time in a long time.

If you are going to the FOS for the full amount then expect a rejection however that IR demand MIGHT raise it. When you pass the details to them, make them aware that you didn't have the demand at the time you originally accepted the interim payment. Any amount they offer is not a full and final settlement of the claim, merely the financial hardship element of it.

Namechanger

I have received a final response letter back from the Halifax today with regard to my claim for £361 saying "I am satisfied the fees were correctly applied" even though I am unemployed and my outgoings are £155.76 more than my benefits income and my account is £332 overdrawn with a limit of £400. They even included a financial ombudsman leaflet. What do I do now?

natweststaffmember

Namechanger wrote: »

I have received a final response letter back from the Halifax today with regard to my claim for £361 saying "I am satisfied the fees were correctly applied" even though I am unemployed and my outgoings are £155.76 more than my benefits income and my account is £332 overdrawn with a limit of £400. They even included a financial ombudsman leaflet. What do I do now?

Do you currently have priority debt arrears(mortgage/rent,council tax, utiltiies)?
Are any of the priority debts being paid off?

Are you claiming enough benefit?
https://www.entitledto.co.uk

DrDoo

hi, sorry for my ignorance - i posted a new thread which probably would have fitted quite nicely here so i'll just copy and paste:
~~~~~~~~~

I went through all of the steps to claim back charges of about £1000 all in all and just got the same old response of 'waiting for the court case' blah blah blah.

I then sent in a hard ship letter and they got back to me saying that they had deposited a 'good will' sum of £2000 into my back - and this was a well known high street bank!

I had them re-check it because i was worried that if i spent it they would realise they had made a mistake and had given me too much and would demand it back. but i spoke to three seperate people in the branch and on the phone and was told that there had been no mistake and that it was a 'good will gesture' for my hardship - (they didn't even ask for evidence of hard ship)- i recorded the times of the calls and whom i spoke to

sjk100

Hi everyone.

A couple of years ago I made a claim with the small claims court for bank charges applied to a current account with HSBC. Since making this claim my financial situation has changed and I believe that I now meet the 'financial hardship' criteria. However, since I made the claim with the courts (which is at the moment on hold) the bank have applied a LOT more charges to the account.I have a couple of queries:

How do I now go about making my claim under financial hardship and is there away of claiming for ALL of the my charges and not just the pervious ones?

Any help or advice would be greatly appreciated.

sandraroffey

just read this thread and now think that i am going to be wasting my time.

i have been helping a friend along the way, to claiming back her bank charges. it was put on hold eons ago, but my friends situation has changed a lot so we claimed on the hardship rues.

they (ABBEY!!!) sent all the forms and they were sent back within a couple of days and we have heard nothing. the forms were sent back to them around 2 months ago. how long can she expect to wait before something is acknowledged??

after reading the other comments about abbey, i think i have just answered this one for myself.

who would we contact at abbey about this non-response??

gazzebo69

sandraroffey wrote: »

just read this thread and now think that i am going to be wasting my time.

i have been helping a friend along the way, to claiming back her bank charges. it was put on hold eons ago, but my friends situation has changed a lot so we claimed on the hardship rues.

they (ABBEY!!!) sent all the forms and they were sent back within a couple of days and we have heard nothing. the forms were sent back to them around 2 months ago. how long can she expect to wait before something is acknowledged??

after reading the other comments about abbey, i think i have just answered this one for myself.

who would we contact at abbey about this non-response??

I cannot remember who my girlfriend contacted regarding claims at Abbey, I just know that they have passed her from department to department, contradicted themselves so much depending on who to speak to.

They have even tried the old, 'We never received that' on two occasions. I am fairly certain that they will not contact you, and even if you do contact them about it, they say they will be in touch, but never will. It hasn`t just happened once, its happened everytime. They really are a bunch of egits. Its not incompetence on their part, they just do not really care at all.

I will try and find out who she contacted, but its probably not any use, because its still on-going and they just do not get back to her at all.

If you do manage to get any sort of a result in the meantime, do post, and I will do the same.

Regards
Gazzebo.

sandraroffey

thanks. doing a 'stern' letter now. sent by recorded delivery of course then they cant say they havent got it.

abbey really are dreadful. when this claim first started in may 2007, and when all the breakdowns of charges etc were received, there was two years worth missing, and we still havent received them despite god-knows how many requests. they havent even acknowledged that they will be sending them!!! they really are toads.xxxx

skint_mum

I recently filled in all the Income and Expediture forms to back up my Financial Hardship claim with Abbey. I am a single mum who has been out of work since January and had initially claimed £1290 from Abbey before the test case scenario began.

They have written to me today to say they're sending me a cheque for £687. Now I don't know what to do. They've said that if i have any problems with this offer to contact the Financial Ombudsman Service. I would really have liked more - even to up it to £900 would have been ok for me, but I don't know what to do now! Do I take the £687 and then contact the Ombudsman for some more?

Any help/ideas/advice please???

Thanks...