Bank Charges Financial Hardship Success Stories

liberty_lily

jos004 wrote: »

Yes, she did admit they do deal with hardship claims, but as far as they are concerned, they are not going to deal with any cases, until the test case has been concluded.

Hi Jos,

Thanks for getting back to me. It's so strange that Lloyds say these things when they are (however rarely!) paying some people back under the hardship criteria. Thriftkitten recently had success and advised me to try calling Andover which is what she had done - I wonder whether they are deliberately being difficult or one half doesn't know what the other half is up to???

Lily xx

FiFiLaFoo_2

Bank: Barclays
Amount Reclaimed: £3,080.99
Amount they paid: £1,380.00
How long did it take: 5 weeks
The story: I contact the CCCS who provided me with a letter that proved my financial hardship. I then forwarded all the necessary paperwork to Barclays who wrote back asking me to fill in one of their budgets (stalling tactic perhaps?). All in all I think the whole process happened quite quick and am pleased with the outcome.

slimothy

FiFiLaFoo wrote: »

Bank: Barclays
Amount Reclaimed: £3,080.99
Amount they paid: £1,380.00
How long did it take: 5 weeks
The story: I contact the CCCS who provided me with a letter that proved my financial hardship. I then forwarded all the necessary paperwork to Barclays who wrote back asking me to fill in one of their budgets (stalling tactic perhaps?). All in all I think the whole process happened quite quick and am pleased with the outcome.

Hi,

Are you on a DMP with the CCCS? and if so do you have debts with Barclays?

Reason I ask is I'm wondering whether Barclays will pay up as I've claimed under Financial Hardship or whether they will use the money they owe to clear debts with them.

Thanks

Ralphy101

It surprises me, how many people are reporting success whilst the rest of us are still grinding it out.

Why are some claims being paid and others not!?

Goodtimesahead

One small thing that will save you a lot of time, never send these Highway robbing Banks, anything by normal post, always send it "1st class signed for" worth a few bob more and then you won't get their usual nonsense reply "sorry we haven't received anything back from you"!

Goodtimesahead

arigney> Please post when you have actually received & cashed the cheque so we know its a definite result..good luck!

levetti

I am in the same position with Halifax Bank. I received a third letter (identical to the previous 2) stating that their money management team will contact me to discuss ways on how to manage my money. I am unemployed, with no partner, trying to survive solely on benefits and have a 17 yr old son in full time education who I obviously have to support financially as well. How can a money management team say I'm not in financial hardship?

I have called the FOS this morning and they are going to write to Halifax on my behalf to say they are dealing with my claim.

Will sending a copy of utility arrears, council tax arrears and bailiff letters help convince the bank that I am experiencing difficulties?

norwichkaren

Well - I have an update on my case as I have been bugging them all day long.

I thought I would use my initiave and call the money management team the bank are referring me to to speed things up, which got me through to a nice lady who was very helpful. She said what they do is assess my financial situation and run through all my details and see if they can help me before the bank pays me out.

She looked at my details and said she couldnt help me at this stage as she needs to wait for my files to be sent across to her team from my caseworker and this can take a week. But she said she would call my caseworker and see if she can get my details sooner so she can help me out today.

She just called me back now and said she and her team are going to be unable to help me as I have an outstanding debt on my HBOS Preference account and whilst there is a debt on it it is with the Collections team. If the collections are team are involved apparently the money management team are unable to get involved so she would need to pass the case back to my caseworker and progress it.

So I just called my caseworker again now, who was actually really nice and the first time I have ever been allowed to speak to him direct, and he said he will wait until he gets the email from the lady in the money management team and then reopen my claim again. He can see I have been accepted for hardship so he says he may be able to get an offer out to me now....BUT....he said as it is company policy he will still not be able to assess my claim on the account that is closed.

I mentioned I had logged a case with the FOS and the ICO and he said that they would instruct the bank on my closed account and until this happens he can only consider my open account.

This is so annoying tho as the closed account has around 3k to 4k of charges on it. The open account only has a few hundred.

Its progress...but not how I wanted it to happen!

clayts

Nationwide
Amount claim : £505
Amount received : £120

The £385 relates to when I wasn't in hardship (according to Nationwide), so that part of it remains on hold pending the HoL decision. Quite happy with the interim award, relating to 4 charges levied on me in 2007.

Took nearly 2 months though....

spacetraveller

BANK - NATWEST
AMOUNT CLAIMED - £2996.00
AMOUNT OFFERED - £3353.00

This claim has taken a long time, with documents and phone calls back and to. Started hardship claim at the end of March 2009. Finally, received an offer letter this morning, with more than i was expecting :T. I'm so chuffed i can finally pay outstanding debts off and make life easier for myself! Hopefully money should be in my account shortly! Thanks to Martin and all the advice on this website!