Bank Charges Financial Hardship Disussion

filthiestfish

Thank you for your help. No, I dont have any priority debt arrears. I have written to Natwest about the credit card charges 2 weeks ago (sent by recorded delivery) and not received a response. Must I wait 8 weeks before I can contact the financil ombudsman? Thanks

natweststaffmember

filthiestfish wrote: »

Thank you for your help. No, I dont have any priority debt arrears. I have written to Natwest about the credit card charges 2 weeks ago (sent by recorded delivery) and not received a response. Must I wait 8 weeks before I can contact the financil ombudsman? Thanks

Have you sent the second letter threatening court action on the credit cards?
Where was the letter sent?

On the bank account, the bank might argue that as your essential outgoings are not in arrears that they may not payout. Worth seeing though what they offer if they make one.

jhoneyman

I need some advice.

RBS have charged me over £1000 over the last 10 months. They have now shut down my account and have passed the account over to Apex Credit Management.
The amount they are due is the amount they have charged, so technically there is nothing to chase.

Now i did claim financial Hardship but have been turned down on two occasions, after sending them all the defaults i have been issued by the below vendors.
I have no idea why and when I have repeatedly send correspondence as to why I get no response.

Here is my current, horrific situation:--

RBS loan £20,000 (Which I can’t pay and are being chased for)
Cap 1 CC 3,000
BOS CC £2,000

At the moment when my wage goes in, it is gone with the above payments.

If i goto the FOS about them declining me even though it is apparent that I am in financial difficulty do I have a case?

natweststaffmember

jhoneyman wrote: »

I need some advice.

RBS have charged me over £1000 over the last 10 months. They have now shut down my account and have passed the account over to Apex Credit Management.
The amount they are due is the amount they have charged, so technically there is nothing to chase.

Now i did claim financial Hardship but have been turned down on two occasions, after sending them all the defaults i have been issued by the below vendors.
I have no idea why and when I have repeatedly send correspondence as to why I get no response.

Here is my current, horrific situation:--

RBS loan £20,000 (Which I can’t pay and are being chased for)
Cap 1 CC 3,000
BOS CC £2,000

At the moment when my wage goes in, it is gone with the above payments.

If i goto the FOS about them declining me even though it is apparent that I am in financial difficulty do I have a case?

Have you reclaimed the credit card charges back yet?

MsNoviceMoneySavr

Hi
I've been classed as been in financial difficulty (with priority debts ets.), and has this agreed with smile (part of co-op) but they still refuse to refund any charges/money. They're just stating they can give me money management advice, and to wait until the court case.
Is there anthing else I can do?

natweststaffmember

MsNoviceMoneySavr wrote: »

Hi
I've been classed as been in financial difficulty (with priority debts ets.), and has this agreed with smile (part of co-op) but they still refuse to refund any charges/money. They're just stating they can give me money management advice, and to wait until the court case.
Is there anthing else I can do?

Do you still use the account? Are you still incurring charges?

jhoneyman

I have claimed some CC charges back yes but they are through Cap 1 not RBS.
RBS don't seem to budge.

poormanuk

I have just phoned the Ntionwide who have dismissed my hardship plea.... I live totally on DLA, Incap benefit and income support.

They have informed me that i will have to pay £10.00 to get a full breakdown of charges on my account...is this blood from a stone? or are they wanting to appeal the next appeal until they get the result that THEY want?

I am now having to contact the FOS as they probably wont evn acknowledge the template on this site.

Phil

MsNoviceMoneySavr

Hi
Um, yes, I am still using the account and still incurring charges occasionally. Feel a bit stupid admitting that but as we are nine hundred pounds overdrawn not sure how we could not use it - worried to leave and change anything in case they take us to court.

filthiestfish

natweststaffmember wrote: »

Have you sent the second letter threatening court action on the credit cards?
Where was the letter sent?

On the bank account, the bank might argue that as your essential outgoings are not in arrears that they may not payout. Worth seeing though what they offer if they make one.

RE. I have sent a second letter informing them that the case will now be sent to F Ombudsman for investigation. I guess that this really will be my next step.