Bank Charges Financial Hardship Disussion

natweststaffmember

icecube2009 wrote: »

I have told him that but you know kids (well not quite a kid anymore but hey!) think they know best!

I am trying to claim mine right now with not much luck so maybe thats not really convincing him that DIY is the way to go!
whats the £10 cheque for anyway???

Subject Access Request or all your details. Tell him that all claims are on hold so you doing it or him doing it will result in the same thing. Who are you with?

natweststaffmember

Namechanger wrote: »

Ok the Halifax might have told me where to go for my claim of about £350 but I have just rung HSBC and they are offering me £230 out of about £1700 and if I am still unemployed in 2 months to ring back and get some more. OK not a great amount but at least its a start.

I would try what David did but I doubt it would work but might be worth trying for a month and see if they do pay up,......personally, I would negotiate a higher amount.

bakerboy35

Hi All
Just an update to my claim. sent off today the income and expenditure form back to alliance and leicester for hardship claim of £2500. fingers crossed now that they will get back to me

Has anybody on here had any dealings with them? if so what they like to deal with?


thanks and cheers

Namechanger

natweststaffmember wrote: »

I would try what David did but I doubt it would work but might be worth trying for a month and see if they do pay up,......personally, I would negotiate a higher amount.

How should I go about negotiating a higher amount?

natweststaffmember

Namechanger wrote: »

How should I go about negotiating a higher amount?

Financial hardship is about a lifestyle event, ie unemployment, loss of hours, separation from partner etc.etc. and the way that this loss of income impacted upon your ability to pay priority debt arrears by taking money out of your budget. If you can narrow down when that happened and how many charges you received against the priority debt arrears they might increase it.

djacobs

I had written to lloyds TSb stating i was in financial hardship, i was told i would have someone call me, they didnt, then i got a letter saying ifd i didnt call them they assume im happy not to proceed. I rang them and gave all my financial details and they have identified that i am in financial hardship. I have receoved a letter saying that they have referred my details to the relevant department as i believe im in hardship however it looks as thought they arent going to do anything as they mention the test case quite alot in the letter so im assuming they are putting me on hold with everyone else.... any one got any tips on what i should be doing next??

dorcas

I am in severe hardship and have been advised by CCCS that my best bet is bankruptcy, but I don't have the money to pay for it. I have tried claiming back my charges from Halifax and Lloyds due to hardship, and they are both refusing and keeping my claim on hold. Many people have already been refunded long ago, some in full. How is this treating customers equally and fairly.

grayt

Hi all,
I'm currently trying to get some money back from Lloyds. I've followed all the steps to try and get the money back. I've been given the run around by Lloyds usual letter stating that they will pass on to the relevent department. They have so far refused to deal with the case under hardship rules.

All they have done is try to pass me on to a department who will look at ways of saving us money on our day to day life (well, seeing as I'm unemployed at the moment and we have already done what-ever we can to save money, I don't see the point). I refused that as this wasn't needed. I took the matter to the FOS and still they refused to look at the matter under hardship.

My complaint was eventually moved to a abatration panel who recently sent us a letter stating that they found in favour of the bank!!! I rang them and the chap I spoke to told me that really the banks don't have to do anything when it comes to the hardship claims! So why the hell is it one of the major points that they keep getting their waivers!!! Apparently the guy told me that all they have to do is just look at the matter and decide if you do fill their hardship criteria. Well according to Lloyds I don't (I do according to Natwest though, already hadmoney back from them without major hassle).

The thing is, in the letter from FOS, they state that Lloyds are fully aware of my financial situation, even though they have never asked us to fill in a financial statement! I've told the FOS that the bank have lied to them over this. But I've now got to write,yet another letter to the FOS asking for the matter to now to be looked at by an actual ombudsmen... I'm about at my wits end and am ready to give it all in. I'm fed up with all this, I've lost my company, can't find any work, my mortgage company are beginning to start reposession proceeding against us and I just feel I can't turn to anyone now for help as all I keep getting is my head hit against a brick wall!!!

Beware people, Lloyds arenow taking dirty steps to ensure that they don't have to pay one penny out to people...

choccielover2006

I have recently put in a claim as I am currently suffering financial hardship, but because I repaid all my debts to the Woolwich (now Barclays) and am not currently overdrawn with them, they have refused to do anything and the FOS have told me the same thing.

icecube2009

natweststaffmember wrote: »

Subject Access Request or all your details. Tell him that all claims are on hold so you doing it or him doing it will result in the same thing. Who are you with?

I have treid clamining charges back from nat west & just trying lloyds, I am on a dmp so thought this might help towards a hardship case?