Bank Charges Financial Hardship Disussion

natweststaffmember

snortbrick wrote: »

I've wrote and recieved a letter back and recieved the Expenditure form. I'm just in the process of filling it in but i'm a little worried as to what they might pick out and use against me if i put the wrong finacial figures down.

Fill it in as best as you can. I&E forms are about household income and expenditure.

natweststaffmember

troubledmrsb wrote: »

natwest bank has charged my hubby over £200 pounds in bank charges this past 2 months and we cant afford to pay the mortgage!

Have you started the process of reclaiming yet?

snortbrick

natweststaffmember wrote: »

Fill it in as best as you can. I&E forms are about household income and expenditure.

will do! See you soon!
Thanks for your help.;)

Namechanger

So as the halifax has made a final rejection of my claim under hardship and I am not going to waste my time with the ombudsman because I live with my parents how long , realistically until we get paid out from the test case( assuming it goes our way.)
About 2 years from now?

snortbrick

What is the the reality of people getting money from the Hell Sadistic Bank China ?

I mean it's very hard for me to guage what kind of success's there are purely because of the conflicting info people seem to have had regarding the harship claims?

natweststaffmember

snortbrick wrote: »

What is the the reality of people getting money from the Hell Sadistic Bank China ?

I mean it's very hard for me to guage what kind of success's there are purely because of the conflicting info people seem to have had regarding the harship claims?

That is why it is difficult to assess. I would concentrate on your claim alone and not necessarily look at what others say they have done. To be honest, there are times when I am stunned either at how fast, how much or just how they have received a payout under financial hardship.

wisnaeme

Hello,

Not posted on for a wee while called HBOS about two weeks ago to claim under the financial hardship route , told would hear back in 5 days. .guess what never did..I did however get an expenditure form that I filled in and sent straight off. I called the bank today and was told they only got the form on Thursday (funny how the banks mail takes longer than ours). I have been informed that it will be sent over to the review panel today and I should hear back within a fortnight. I will not hold my breath but I will keep you posted.

weedenise

Hi, currently in the process of reclaiming over £2000 in bank charges from the royal bank of scotland...started my claim in 2007 but was put on hold like everyone else....but found out about the hardship route only a few weeks ago whilst browsing on here....sent of the first letter with photocopies of my arrears on mortgage, ctax,and utility bills...2 wks later i got an expenditure form from them, filled it all in and sent it off on thurs 27th aug with more photocopies and a letter stating what each copy was and also a copy of my original letter....so i am anxiously awaiting a reply will keep u guyz posted .x.

haggisbasher_3

natweststaffmember wrote: »

Did you write to the bank first?
Did you get a final response letter from them?
Remember to do everything in writing initially.

Hi Again,

Yes I sent the letters from the templates on this site in the correct order. However the banks reply was as follows:

" I regret to inform you that having fully considered your request, we are unable to make a refund of the fees applied to your account as there has been no error on the part of Halifax"

It then goes on to state:
" I would advise that under the terms and conditions of your account, we can apply bank fees when there are insufficient funds in your account to cover items, which are presented for payment"

I have complained to the ombudsman and await their reply, and I hope the result is that I get the money they have robbed me of back.

natweststaffmember

haggisbasher wrote: »

Hi Again,

Yes I sent the letters from the templates on this site in the correct order. However the banks reply was as follows:

" I regret to inform you that having fully considered your request, we are unable to make a refund of the fees applied to your account as there has been no error on the part of Halifax"

It then goes on to state:
" I would advise that under the terms and conditions of your account, we can apply bank fees when there are insufficient funds in your account to cover items, which are presented for payment"

I have complained to the ombudsman and await their reply, and I hope the result is that I get the money they have robbed me of back.

I don't think that it is a final response letter.