Bank Charges Financial Hardship Disussion

davidhenson1

Becki-Boo wrote: »

I applied for financial hardship mid October and have received an offer letter yesterday from Natwest

I also applied mid October to Barclays and despite returning requested financial statement forms and evidence of hardship I have yet to hear anything further from Barclays - I guess they all work to their own timescales

I personally think Abbey will wait until 7 weeks and 6 days!! but have been told they have 8 weeks. Can i just ask what sort of percentage offer did you get from Natwest? sorry if thats rude.

because i have around £900.00 in charges will they offer me 50% do you think?

are you happy with your offer?

cheers

Trieshard

Hi I'm new to this discussion but i too have claimed under financial hardship from Clydesdale bank and it took the full 8 weeks. They have offered me £1000 ( a third of what i'm claiming), as an ex gratia payment until the test case is heard and suggested that i speak to my branch to discuss exactly what help can be provided to alleviate my financial hardship, which may in clude the possibility of switching to alternative products. I just wonder what they are really offering here?

any ideas?

Becki-Boo_2

davidhenson1 wrote: »

I personally think Abbey will wait until 7 weeks and 6 days!! but have been told they have 8 weeks. Can i just ask what sort of percentage offer did you get from Natwest? sorry if thats rude.

because i have around £900.00 in charges will they offer me 50% do you think?

are you happy with your offer?

cheers

They offered me the full whack of all my charges dating back 6 years - however their calculation and mine differs by £1400 (in their favour); I have written to them and ask them politley to re calculate. Their offer is standing at £7,174.00 without interest and no refund of £245.00 MCOL fee and £100 court allocation fee

The customer relations team I spoke to were FANTASTIC - well done NATWEST

carol960

I wish the Alliance & Leicester were more forthcoming with their refunds i have now sent my claim to the FOS as we are in financial hardship not looking forward to xmas, has anybody tried telling young children that they might not get anything off Santa this year!Desperatly trying to keep a roof over our heads GE Money who we have our mortgage with are just a waste of time the litigation dept say one thing one day then change their minds the following day i wish i`d never had a mortgage with them they show no understanding at all!

smollerton

Hi all,

I sent my I&E form to Halifax in October, they received it 30/10/08. I have had lot's of phone contact with them (me calling them , I hasten to add) and all they tell me is that hardship claims are being dealt with in strict date order!! This is 6 weeks now, am I within my rights to push on the 8 week response rule?? I am not sure what to say to them on the phone to get their a**es in gear!! Someone please offer advice. Thanks in anticipation x

smollerton

Hi,
Also I have only ever spoken over phone and sent I&E. I never received a list of 6 years charges, I think it must be around £6k they owe me, do I need to get this list even though they are dealing with Hardship claim?? :-s

livvy72_2

smollerton wrote: »

Hi,
Also I have only ever spoken over phone and sent I&E. I never received a list of 6 years charges, I think it must be around £6k they owe me, do I need to get this list even though they are dealing with Hardship claim?? :-s

hi

i would say yes you do need to get list together or you may keep going round in circles, my situation is similer to yours, this is the second time i have hit halifax for charges, mine also went in october plus i&e, now at second letter stage, made lots of calls over and over, to keep getting fobed off, they just dont seen to care, hope this helps you a little :mad:

comicmankev

Sorry for what is probabbly very repetitive, but I need to get this done after recently losing my job.

If I have not written to them before about these charges, should my letter just read like this:

"Dear Abbey

I want to claim £XXXX.XX for charges relating to my account for the period of dates-dates.

I believe that my claim should be dealt with under the FSA’s waiver rules as I currently fit the financial hardship criteria and would like this case to be dealt with straight away.

I look forward to your response."

Does it need anything more than that?

livvy72_2

hi

yes thats what i would wright and put list of charges in with it and state that you are giving them 2 wks to reply..............and so on. there is a guide letter avalible

http://images2.moneysavingexpert.com/attachment/bc_letter1_noint.rtf

i have spoken to bank today and they have promised me a decision in the morning! not holding my breath

smollerton

livvy72 wrote: »

hi

i would say yes you do need to get list together or you may keep going round in circles, my situation is similer to yours, this is the second time i have hit halifax for charges, mine also went in october plus i&e, now at second letter stage, made lots of calls over and over, to keep getting fobed off, they just dont seen to care, hope this helps you a little :mad:

Hi,

I rang Halifax today and said that the situation was a joke, especially on lead up to Christmas with 2 kids!! The chap put me on hold and came back to say that it would be dealt with today and I would receive a letter in the next few days!! Hopefully this will then be resolved!!

Will keep you posted!!;)