Bank Charges Financial Hardship Success Stories

natweststaffmember

lewgante wrote: »

No reply from Halifax as yet. My landlord says I have to pay rent by the weekend or she will begin eviction for non-payment!!

Did have a letter yesterday from Halifax though saying that they are reucing fees from December 2009 to £5 for the day (no limit to number of items!) and they will up my overdraft! I don't need it then I need it done now!

Still no news on Right of Appropriation for tomorrow. Not looking forward to the possible confrontation I will get at my local branch! The woman cashier is horrible. Fed up with fighting

Simply tell her that the bank should give you money that you are entitled to otherwise she personally will have cost the bank £500 which is an FOS Case fee. Furthermore, you will be quite happy to go to her bosses with a personal grievance about the way she has treated you in financial difficulties with no sympathy whatsoever. Will your landlord accept some form of payment even if it is not the full amount?

barloo69

Really Bizarre !!!! I applied for FH back in June. Shabbey responded in July saying charges fair and that they believe I am not in FH and so complaint will have to wait until the test case is completed. (standard response from what I can gather)

Today out of the blue have received another letter from Shabbey saying after careful consideration and reviewing my financial situation they are prepared to make OGWG to my account.

Account credited today with £400.

Bizarre..............

capri-sun_boy

hey there does anyone know anything about when the court case against the banks is getting settled,and how it will be delt with?

natweststaffmember

capri-sun_boy wrote: »

hey there does anyone know anything about when the court case against the banks is getting settled,and how it will be delt with?

No is the blunt answer. The next part of the case is about IF the terms can be assessed for fairness. The OFT will then say that they believe them to be unfair and they may apply for an injunction to stop the charges whilst the issue of which terms are unfair takes place which will probably lead to further litigation.

lewgante

natweststaffmember wrote: »

Simply tell her that the bank should give you money that you are entitled to otherwise she personally will have cost the bank £500 which is an FOS Case fee. Furthermore, you will be quite happy to go to her bosses with a personal grievance about the way she has treated you in financial difficulties with no sympathy whatsoever. Will your landlord accept some form of payment even if it is not the full amount?

I am going down after work today. I put in a claim for a Crisis Loan, but don't really want to have to borrow anymore money because of the bank.

I'll let you know how I get on!

lewgante

natweststaffmember wrote: »

Simply tell her that the bank should give you money that you are entitled to otherwise she personally will have cost the bank £500 which is an FOS Case fee. Furthermore, you will be quite happy to go to her bosses with a personal grievance about the way she has treated you in financial difficulties with no sympathy whatsoever. Will your landlord accept some form of payment even if it is not the full amount?

Well, guess what?! Money is not available. Bank does not know what the Right of Appropriation is so spent 30 mins on the phone to be told I can not use it as they require written evidence as to what the money is to be used for, was then advised that I need to be more careful with my money! I asked how I can evidence money for food - to which I had no reply! Have to post evidence for this or fax - I really have had enough of Halifax - I have no money, application for crisis loan will not be dealt with until next week and my landlord is on my back via email and phone!

On a happier note I was told whilst on the phone I am being offered £1200 of fees back and no further fees for 3 months! Still not sure how much I am actually owed though.

I will do as advised natweststaffmember and make a complaint to the FSO again about not being able to use my First Right of Appropriation. I am going to see if I can get some compensation as well now.

Sappoo21

just got my data protection request back from Nationwide £7100
of charges I have sent these on to the FOS so hopefully they can
come to a decision soon they have had my hardship claim now about 5
months does anybody know how long these are taking.
Help gratefully received.

natweststaffmember

Sappoo21 wrote: »

just got my data protection request back from Nationwide £7100
of charges I have sent these on to the FOS so hopefully they can
come to a decision soon they have had my hardship claim now about 5
months does anybody know how long these are taking.
Help gratefully received.

You went through Nationwide first, right?(I'm sure you did)

TRYING_TO_BE_DEBTFREE

hi

wondered if anyone has experienced the following and if so please let me know.

i applied for fin hardship with abbey, they wrote back and sent me a cheque for £515 versus my nearly £9k (this is the total in charges going back 6 years!!) clearly this is far from acceptable. in their letter they say this is a goodwill gesture and my case is on hold pending the case which is still in government i believe??

i want to write back to abbey, theyve given me 8 weeks to reply, whats the best letter to send and do i bank the cheque or wait??

cheers.

do

natweststaffmember

TRYING_TO_BE_DEBTFREE wrote: »

hi

wondered if anyone has experienced the following and if so please let me know.

i applied for fin hardship with abbey, they wrote back and sent me a cheque for £515 versus my nearly £9k (this is the total in charges going back 6 years!!) clearly this is far from acceptable. in their letter they say this is a goodwill gesture and my case is on hold pending the case which is still in government i believe??

i want to write back to abbey, theyve given me 8 weeks to reply, whats the best letter to send and do i bank the cheque or wait??

cheers.

do

Is the account still open? It is unusual that they send out a cheque for a financial hardship payment to be honest. Furthermore, the 6 years stopped from 27th July 2009 so you can go back an additional 2 years, ie July 2001.