Bank Charges Financial Hardship Success Stories

symikins

so far to date:


PERSONAL LOAN ppi ccld + refund approx £3240 jly 08
current a/c no 1 bank charges refund £265 aug 08
current a/c no2 bank charges £1056 jly 07
aa credit card interest+ late payment fees £77 jun 08
halifax c/card interest+late payment fees £872 jun 08
aa loan early settlment repayment £55 jun 08

aa loan [ sent refund with no request by me]

current a/c no 2 all the way to court claim paid up with 5 days to hearing

halifax refused all the rest so l then involved the FOS who agreed in my favour for all of them

all the above have have reduced my debts by £5565

now total debts £ 18000 all on dmp with CCCS

none of which due to spending irresponsibly just lifes c**p that hits you

when you least expect it [no one is immune trust me }:rolleyes: your life can change in an instant ........ mine did :eek:

NEVER TAKE NO as a final answer from any financial organisation take it all the way to the FOS if they say no, then no it is ...but dont give up till you get that far

thanks to this site and all the help on the forums ,id never had done it :A :A :A .... im not out of the woods yet but thanks to the results ive had l do not have to sell my home any more to resovle things :j :j :j

im one happy bunny !!!!!!!!!!!!

lafemmenikita

Just got an offer of just over £2k to settle my bank charges with Halifax.....am sooooo happy :beer:

Phamous

Seems, from reading this thread, that Halifax are doing well with reviewing the hardship cases at the moment.

I went freelance earlier this year and took a big drop in income while I am building my business. I had applied for my charges to be reviewed last year and then obviously the test case started so I thought I would hear nothing more. I then got a letter from Halifax saying that if I was a hardship case, they could review my circumstances. I sent a statement of financial affairs back to them approximately 6 weeks ago and this morning was offered £2224, to be reviewed again when the test case concludes.

I am absolutely over the moon as I really need this money at the moment and I thought there was no way Halifax would pay.

Good luck to everyone and fingers crossed the test case has a positive outcome for the people and not the corporate giants!

princessalison

Bank: Halifax PLC
Amount Reclaimed:£544
Amount they paid:£544
The story:

Had a halifax student account (im still student). They charged me £544 over the space of 1 year due to going over my agreed overdraft limit by £5! They charged me for letters, phone calls, everything. I paid it back over time. However, they sent me a letter telling me my overdraft had being removed and sent to a debt collectors becuase i didnt pay fast enough! so i filled out a hardship form and they paid every penny back. im still waiting for the cheque. i'll bite the postmans hand off. I begin paying my over draft back next month. really happy apart from that, but they need to be stopped!

princessalison

Bank: Halifax PLC
Amount Reclaimed:£544
Amount they paid:£544
The story:

Had a halifax student account (im still student). They charged me £544 over the space of 1 year due to going over my agreed overdraft limit by £5! They charged me for letters, phone calls, everything. I paid it back over time. However, they sent me a letter telling me my overdraft had being removed and sent to a debt collectors becuase i didnt pay fast enough! so i filled out a hardship form and they paid every penny back. im still waiting for the cheque. i'll bite the postmans hand off. I begin paying my over draft back next month. really happy apart from that, but they need to be stopped!

Sparkster_2

Bank: Halifax

Claimed: £1575

Received: £1900


Yipppeeeeeeee :beer:

nat45_2

hi all well here is the day i get to post my story, yes ive had my offer, claimed 4009.00 and offer 4294.00 well pleased, so good luck to all who are fighting halifax,:j :beer: :rotfl: :T :T :money: cheers martin and all for your replies to my threads

Melmoneysaver

Bank: Natwest PLC
Amount Reclaimed:£2,470
Amount they paid:£2,470
The story:

After 6 weeks roughly, 2 letters and a fax later we got everything we paid in charges back from Natwest, we claimed hardship and faxed an arrears letter to their complaints department. Result!

jenniewb

Bank: Halifax
Amount Reclaimed: £350
Amount they paid: £350
The story:
I was new to this bank, I was used to natwest just not allowing any money to go from my account to the debit card and used to getting delined if there was no money in my account. I had to leave natwest as I am heading for bankrupcy so I opened a Halifax account.

So it was a masive shock when I came to realise I had gove over my overdraft limit by £35. Not just in one go, but with no less then10 separate debit transactions each for items around £1 (food) and no more then £5 (gym class).

I am uwaged. I lost my job and don't have a high income. I think this strongly helped me reclaim the money I did get back.

I originally wrote a letterof complaint to them which they declined and said basicly the charges were there for a reason. I tred to call up, sveral times and plead with them- I literally didn't have enough to eat let alone pay my travel or phone bills, if they took the money as it was actually more money then I get in an entire month and I was already struggling going from a job with an income to state benefits and debt repayments.

They did take the money from me, they allowed a month in which time I borrowed the money from a credit card (dumb but I had no money to eat!) and now have that to deal with. But thats a separate story.

I have today, after 2 months had a letter from Halifax to say they would like to pay me back the money they took from me, all of it, and asked me to sign a form in order for them to pay the money into my account which would happen within the next 14 days after they had the letter back.

When I did get the lettr it appeared the Ombudsman had been involved-I had't asked for this so I am not sure if it was as I made a ormal written complaint or this is just the general process.

I am extrmely extremely grateful to MSE for providing me with the tools and the information to do this and to get a result! I now feel so relieved! its a huge weight off my mid to know I can now pay the credit card back all of the money I spent, the interest was not paid but I wasn't expecting it to be.

heatherlw

I have just been informed that I will get the full amount asked for from
Halifax £4395.00, within 2 weeks.
I applied because my husband and myself have both lost our jobs recently. Only took 6 weeks in total.
I was, however, turned down by Abbey and Natwest, both of which were only small amounts.
A huge "Thank you" to Martin, Wouldn't have done it without you!