HELP! reclaiming charges through hardship

zarah_2

Hi,

I have sent off my bank statements to halifax and received the usual letter saying they beleive it is lawful etc.

I would now like to proceed under hardship but can anyone tell me if you have to actually prove this and if so how do we do this? or do yo u need to be in certain amount of debt to do this ...?

or do we just state on the letter we are in hardship ?

thanks for any help

Zarah

Orford

Yes. Write a letter to them detailing the charges taken, your personal financial situation, details of any debts/arrears etc and they should send you an Income Expenditure form to complete.

Have a look at the FSA waiver Annexe 2 (page 11) and include any points that apply to your situation:
http://www.fsa.gov.uk/pages/Doing/Re...sp_monthly.pdf

zarah_2

Great Thanks A Lot