Royal Bank of Scotland

whitefairy_2

In reply to my bank charge claim to the RBS, they have sent me a letter back saying that 'in accordance with the FSA, they are obliged to review my account to establish if I may be experiencing financial difficulty'. I need to complete a Customer Financial Statement form which asks for details of ALL my outgoings - and basically because I have claimed under 'hardship', they will 'assist' me to handle my finances better!, i.e. cancel "non-essential" direct debits!
Does anyone know if I need to fill this in before they will take my claim forward any further. Personally I found this letter insulting and harassing! I know of other friends who have sent claim letters to the RBS claiming 3 times more than I am, and they have never received a letter like this. Surely there should be a standard procedure for all customers?
Thanks.

Orford

Does anyone know if I need to fill this in before they will take my claim forward any further.

Yes, assuming you want them to consider a claim under financial hardship. The CFS is a industry-wide recognised income and expenditure form

chambta

whitefairy wrote: »

In reply to my bank charge claim to the RBS, they have sent me a letter back saying that 'in accordance with the FSA, they are obliged to review my account to establish if I may be experiencing financial difficulty'. I need to complete a Customer Financial Statement form which asks for details of ALL my outgoings - and basically because I have claimed under 'hardship', they will 'assist' me to handle my finances better!, i.e. cancel "non-essential" direct debits!
Does anyone know if I need to fill this in before they will take my claim forward any further. Personally I found this letter insulting and harassing! I know of other friends who have sent claim letters to the RBS claiming 3 times more than I am, and they have never received a letter like this. Surely there should be a standard procedure for all customers?
Thanks.

Surely you can't have it both ways?

simon_templar_2

I would of thought a person suffering financial hardship would ditch non essential direct debits eg broadband, SKY tv and such like. The advice is to tighten ones belt i guess and spend only on essentials like food, heating, rent etc.