Bank Charges Financial Hardship Disussion

natweststaffmember

Lyndach wrote: »

I applied to reclaim my charges from natwest under financial hardship and got a letter back this morning to fill in a Customer Financial Statements form. Now my Net income is £400 a month which is SMP someone told me not to put this down as it's not 'earnings' and someone else said put it down under the benefits section. Any advice?

SMP is maternity pay, is that right?

natweststaffmember

Escapee wrote: »

The account i have now is/was a parachute account with LLoyds tsb, i have not been charged anything with them to pursue them for a refund. Can I ask why you are surprised HSBC made an offer in the light of the hardship waiver and £3000 charges?
Thanks.

It is not about the total charges or the amount that they gave, but the fact the account is closed. It is not contributing to your financial hardship today but historically may have. That was why I was surprised(pleasantly, I should add).

natweststaffmember

en_bee wrote: »

Hi all,

Im new to the forum and have recently made a claim to natwest for approx £2000 for bank charges due to hardship. Not sure if i qualify as I dont have any 'priority debts' but am suffering as my wages have dropped considerably (commission based job).

When I was with natwest my account defaulted as my outgoings were exceeding my incomings and eventually natwest closed my account and passed my debt to a debt collection agency.

My partner then got me a loan to cover my debts and i am surviving (just), i still have the debt collection company chasing my for the £1500 I owed natwest. Ive filled in the expenditure form and sent copies of my wage slips to natwest proving how little money I have each month and also copies of letters from debt collection companies.

Just wondered if you think im in with a chance?

I would be surprised but you now have the right to tell the DCA that you dispute the entirety of the amount owing and that under OFT debt collection guidelines they cannot chase a disputed debt.

natweststaffmember

Lyndach wrote: »

I applied to reclaim my charges from natwest under financial hardship and got a letter back this morning to fill in a Customer Financial Statements form. Now my Net income is £400 a month which is SMP someone told me not to put this down as it's not 'earnings' and someone else said put it down under the benefits section. Any advice?

If it is maternity pay then it is most definitely Benefits.

ChrisC7

I currently have a claim in with HSBC for charges dating back to last year. I have since received a holding letter like most pending the outcome of the test case. At this moment I am getting charged every month for going over my limit, these charges are because hsbc keep taking charges from the month before, again taking me back over the limit and ending me getting charged again! A never ending circle. Does anyone know if there is anything I can do about this? Thanks all

Lyndach

natweststaffmember wrote: »

If it is maternity pay then it is most definitely Benefits.

Yes it is Maternity pay, and thank you I'll put it down as benefits then.

Blondbusybee

Can anyone give me some advice I have had a letter today from HSBC in reply to me claiming charges under the hardship waiver.

They have sent me a leaflet outlining my income and expenditure but they dont want me to send it to them they want me to ring them with the information is this normal?

I thought they would have to send me some kind of form to fill out.

Also as I am on benefits can they take my overdraft off me?

Please help!!!1

natweststaffmember

Blondbusybee wrote: »

Can anyone give me some advice I have had a letter today from HSBC in reply to me claiming charges under the hardship waiver.

They have sent me a leaflet outlining my income and expenditure but they dont want me to send it to them they want me to ring them with the information is this normal?

I thought they would have to send me some kind of form to fill out.

Also as I am on benefits can they take my overdraft off me?

Please help!!!1

http://www.legalbeagles.info/forums/showthread.php?t=18427
If you look at this post it is absolutely accurate. post 2 is probably relevant to you and no they are unlikely to take your overdraft off you.

natweststaffmember

ChrisC7 wrote: »

I currently have a claim in with HSBC for charges dating back to last year. I have since received a holding letter like most pending the outcome of the test case. At this moment I am getting charged every month for going over my limit, these charges are because hsbc keep taking charges from the month before, again taking me back over the limit and ending me getting charged again! A never ending circle. Does anyone know if there is anything I can do about this? Thanks all

http://www.legalbeagles.info/forums/showthread.php?t=18427
again I refer to post 2 and 3 for financial hardship claims. You need to include household income and expenditure.

donyoung

just and update ,my case is goin to an ombudsman for final decision , what does this mean?? iv got a strong case , even the guy i got on the phone from the fos said so ,but its being passed on and i have till the end of the month to send anymore info that would help my case
i dont think there is anything else but does anyone know the kinda stuff that might help it rule in my favour???