Bank Charges Financial Hardship Success Stories

natweststaffmember

will it clear your main debts?
Congratulations by the way!

Aussie06

Hi have just received a response from halifax saying that case is on hold and they recognise we are in financial difficulties and want their money management team to call me. Can't see this happening as i'm in Australia. Do i need to send the second letter, have provided them with all the letters from Mortgage, council tax, electricity etc

Thanks Jane

natweststaffmember

Aussie06 wrote: »

Hi have just received a response from halifax saying that case is on hold and they recognise we are in financial difficulties and want their money management team to call me. Can't see this happening as i'm in Australia. Do i need to send the second letter, have provided them with all the letters from Mortgage, council tax, electricity etc

Thanks Jane

You can send the second letter but I would send within that your telephone number and make them aware of an appropriate time to call you.

silver_boy

can any body help asx i have looed everywhere for an answer on this but nobody seems to know !
i am currently with a debt management company ( payplan ) who have been lookin after my debts for around the last 3 years now. the reason why i fell behind so badly and had to go into debt management was because of the large amount of bank charges i received at the time.
i approximatley owe around 7k and around 4k of that would have been made up of bank charges because at the time they just kept adding them every other week. obviously this has been proved to be illegal now. they have frozen all the interest now and i am making them a regular monthly payment but my question is can i insist that they waiver all the charges they added to the accounts and i just continue to pay off the balance ?

langtonhighway

natweststaffmember wrote: »

will it clear your main debts?
Congratulations by the way!

Thanks and yes it will clear so much. Thanks to Martin Lewis and Team and all the people that have put their stories and information on here. It certainly helped me to keep focused, giving me the confidence that it would all eventually come right.:rotfl: I hope all those other people who are fighting get a good result in the end because it really does feel good.

kathryn33

i have just rang halifax who have advised me a letter is in the post offering me an payment of £1287 i put in claim for hardship 4 weeks ago which they have accepted my origional claim was for £8000 back in 2007 which im sure will be about £12000 now

HP2009_2

Can someone advise me on this?

I sent my letter to HSBC and got one back so have now copied the letter proceeding with a court case. It says I need to insert a court name. Do I just insert my local small claims court or do I actually have to start a court claim?

Thanks
HP

natweststaffmember

HP2009 wrote: »

Can someone advise me on this?

I sent my letter to HSBC and got one back so have now copied the letter proceeding with a court case. It says I need to insert a court name. Do I just insert my local small claims court or do I actually have to start a court claim?

Thanks
HP

Did you get any response whatsoever?
Where did you send the letter and was it recorded delivery?

natweststaffmember

silver_boy wrote: »

can any body help asx i have looed everywhere for an answer on this but nobody seems to know !
i am currently with a debt management company ( payplan ) who have been lookin after my debts for around the last 3 years now. the reason why i fell behind so badly and had to go into debt management was because of the large amount of bank charges i received at the time.
i approximatley owe around 7k and around 4k of that would have been made up of bank charges because at the time they just kept adding them every other week. obviously this has been proved to be illegal now. they have frozen all the interest now and i am making them a regular monthly payment but my question is can i insist that they waiver all the charges they added to the accounts and i just continue to pay off the balance ?

You can put a claim in but it will be stayed since the bank charges have NOT been deemed UNLAWFUL yet.

paulthedude34

hi all can any 1 please advise me from hear in dispute with ltsb they admititted that im in hardship so ive taken my complaint to the fos and they are looking into it has any 1 had any success with there claim from the fos cheers Paul