Bank Charges Financial Hardship Disussion

natweststaffmember

get_me_outta_this_mess wrote: »

Hi i am struggling to make all my payments each month and repeatedly go over my overdraft, unfortunatly some of my debts are due to money my friends & folks lent me when i split up with my ex and they helped me sort myself out with the mortgage and stuff, but obviously they want their money back. If i put a claim in for financial hardship would this be taken into account or not? Also would they take any notice as all my priority debts are up to date.... if only they would pay out for us then the whole world would be a better place for everyone.

I personally doubt that they would but I would negotiate lower payments to them if it prevents you going over your overdraft but ask the bank the question.

natweststaffmember

Happiness6500 wrote: »

I have my charges from Lloyds.. which do i claim for ?: as follows :
Unpaid chq; unpaid dd; unpaid so; odraft excess fee;unplanned overdraft fees; are all of these ? reclaimable . I just need to work out how much i ask for . Can someone advise ta

so far everything is a yes.

Happiness6500

sorry natwest im jumping about here ... thanks the only other things they have sent is for account charges, OD interest . od usage fees which i obviously wouldnt claim for ... re the harship issue raised can you reply here , as intimated i have rent arrears and i have called council to make arrangement to pay . i have paid this as priorit debt and hope to have it paid off by end o march

ps ur a regular super hero guru type natwest person

ta

natweststaffmember

Happiness6500 wrote: »

sorry natwest im jumping about here ... thanks the only other things they have sent is for account charges, OD interest . od usage fees which i obviously wouldnt claim for ... re the harship issue raised can you reply here , as intimated i have rent arrears and i have called council to make arrangement to pay . i have paid this as priorit debt and hope to have it paid off by end o march

ps ur a regular super hero guru type natwest person

ta

I am an ex natwest person but a bank charges veteran so to speak.
Can you clarify if there is rent arrears not being paid?
Is the council tax arrears not being paid?
My gut feeling is possibly that they will say no to financial hardship cos you are paying the bills and a bit more ie you have more income and the charges are not eating into the budget to cover them. However, you have to ask HSBC the question and we will see what they say.

Happiness6500

i can but try .. i will plead hardship. my od jumped to about £500 already this month £100 arranged.. due to some cheques a cash till pay day company presented . £450 in total.. I have an alternative bank account set up now and my tax credits and family allowance will go into and i will make sure the rent is paid priority , no council tax arrears had missed a payment but paid it and now up to date. have about £22500 unsecured debt that im setting a dmp for with CCCs and HP of £2k on my car

natweststaffmember

Happiness6500 wrote: »

i can but try .. i will plead hardship. my od jumped to about £500 already this month £100 arranged.. due to some cheques a cash till pay day company presented . £450 in total.. I have an alternative bank account set up now and my tax credits and family allowance will go into and i will make sure the rent is paid priority , no council tax arrears had missed a payment but paid it and now up to date. have about £22500 unsecured debt that im setting a dmp for with CCCs and HP of £2k on my car

ahhhh, this now becomes more interesting, is the HP on the car you use to go to work with?(that moves it to a priority debt )
Any credit card charges at all to reclaim?

Happiness6500

natweststaffmember wrote: »

ahhhh, this now becomes more interesting, is the HP on the car you use to go to work with?(that moves it to a priority debt )
Any credit card charges at all to reclaim?

Yes orrible logbook loan on the car and use it for work . 60 mile round trip... and yea on the credit card have a capital one card over limit 1150 on 1000 limit . have been charged in past havent asked yet for charges !

natweststaffmember

Happiness6500 wrote: »

Yes orrible logbook loan on the car and use it for work . 60 mile round trip... and yea on the credit card have a capital one card over limit 1150 on 1000 limit . have been charged in past havent asked yet for charges !

log book loans one is now a priority debt arrear.

Capital One is homework while the other bank respond

Happiness6500

am uptodate with logbook..


So should i submit a hardship claim to LLoyds i have the od and loan with them so any charges i would be happy to offset anyway . any monies is a bonus

Then send letter asking for charges , re capital one i have ppi on my card have had card since 1994 , should i claim them on that as well on treat seperate , i have so many things i could do . so many debts but equally a few paths like this to generate income back

Its all a lot to take in and deal with at the same time, i need a cunning plan

natweststaffmember

Happiness6500 wrote: »

am uptodate with logbook..


So should i submit a hardship claim to LLoyds i have the od and loan with them so any charges i would be happy to offset anyway . any monies is a bonus

Then send letter asking for charges , re capital one i have ppi on my card have had card since 1994 , should i claim them on that as well on treat seperate , i have so many things i could do . so many debts but equally a few paths like this to generate income back

Its all a lot to take in and deal with at the same time, i need a cunning plan

All credit card charges. All PPI
And take your time. You said you have arrears on the car you use for work, is that right? Is the arrears being paid off?