Bank Charges Financial Hardship Success Stories

fedupwiththeworry

Success with Abbey

Went down the hardship route in December £4200.00 claimed

After phone calls to chase and a couple of missed responses from them with deadlines promised, rec'd letter today with award of £5200.00 :beer: :T :j

Can now pay our bills

Have to say the Abbey have been very good whenever we've spoken to them (other than not keeping to timescales promised, meaning stress trying to keep creditors at bay ) but to have this sorted in around 6 weeks has been 1st class.

fedupwiththeworry

Bank: Abbey

Amount claimed £4200
Amount rec'd £5200

Hardship route started in December. Fair play to the Abbey for sorting our claim promptly, and thx to all on here who've helped :T :money:

BobbyJo

Also had success with Abbey.

Put a hardship claim in for £4300. Received £3,200 yesterday.

Can now clear the arrears on my mortgage!!!!:beer:

wal4rus

Bank Charge Claim raised against Clydesdale Bank
First Small Claim Court Action April 2008
Sheriff did not allow sist on financial hardship grounds
Bank found it "uneconomic" to proceed to proof and settled.
I received £3,600 (charges + judicial rate interest) end of June 2008
Second Small Claim Court Action raised against Clydesdale Bank October 2008
Sheriff refused sist on grounds of financial hardship and set proof hearing for start of February 2009
Bank has now formally offered full settlement of £3,200 (charges + judicial rate interest) and informed court of accepted offer
I am awaiting delivery of cheque
I followed all the advice on this site. I am disabled and on benefits and debt management plan.
I found the Sheriff Clerk very helpful.
In Court the Sheriff and officials went out of their way to help and explain to all of us representing ourselves anything we did not understand

Take heart it BANK CHARGES can still be SUCCESSFULLY reclaimed!

wiggz1

I have two current accounts with RBS and going back to 2004 found that when my account were up near their limit charges have gone on after midnight on a particular day and the following day it showed the account being over the limit and a £28 has been applied at the end of the month. I have almost always corrected the over limit figure the day I discovered it. It took me several years to figure out why this was happening. I am currently arguing that charges applied should show on Internet Banking the same day, preferably by close of business about say 5-00 pm.

What is more alarming is that the system gives out inaccurate information. I recently did a test to show this. My wife has a Yorkshire Bank account and I do the Internet Banking for her. Before going to the shops I got an Internet printout for each account. At the shops we each made two small purchases on our debit cards. Back at home my wife's account showed each amount that she had paid for her purchases.
Mine however simply showed a reduction in the amount available which was a total of the two purchases.

The alarming part is that when the first payment came through the amount available INCREASED by the amount of my other purchase when it should have stayed the same. The problem showed itself in a graphic way today. Last night I checked availability and it showed that £16.00 was available. This morning I was shocked to see that a penalty charge of £35.00 had been applied for 'Card Abuse'. When I telephoned my bank I was told that a Debit Card payment for under £7.00 had gone through and taken it over the limit. They are refunding this amount but not till Monday. This caused another payment to be declined and I have had to transfer money to cover it.

I put in a claim on my two accounts last October and pressed it through Financial Hardship and I have received an offer on the two accounts for £1,900.00. One of the accounts has built up because of penalty charges that have been added from October through to January. What is important is that they alter their Internet Banking so that it always gives accurate information and they stop sticking these £35.00 penalty charges on which always causes ongoing problems.

Their offer of a settlement in my eyes is an admission that these charges ARE ILLEGAL.

Thank you Martin for this website.

sammy_d_3

Bank: HSBC
Amount Reclaimed: £550
Amount they paid:£552
The story:

Hi, I had a loan when I was 18, with insurance on it, after making a complaint in Dec 08, I have just received a letter saying they are going
to refund me £552 inc 8% interest ! Happy days and thanks to this website for the template letter !

storm07

Hello all,

Bank - Abbey
Amount claimed - £1150
Received £1150

Big thank you to Martin and the website, i have just received £1150 back from Abbey!! so pleased and have just used the money to book a holiday in August/Sept for me and my family including our newborn baby!!

thanks again
Sarah

WELSHLADY_3

Hello

Bank - Abbey
Amount claimed - £2000
Received - £2167

I put in a claim in August 2008 for £2777 and told them if they were willing to pay what they unfairly took from me, I was willing to accept minus the interest of £777.00. I had a letter this morning to say they were paying £2167, so looked at my account this morning and it's already in there! Happy days. Can now pay off all (well most!) of my bills : ¬)

Thanks so so much to Martin. Don't think I would have even tried if it weren't for seeing this website so thanks again.

bekiejayne

cant remeber how much i tried to reclaim it was less then 1000 well over a year ago and told it was all on hold untill test case got a letter last week and got offered 722 and took it...well pleased i had completly fogot about it

Bank abby
amout reclaimed under1000
amount recived 722

5.2.09

Rosie2404

Bank: Barclays
Amount Claimed: 1600ish (without interest)
Amount Paid: 1155 (with the rest being paid depending on the court case)

Yippppppeeeee!!!! Thank you so much MSE!!!