Bank Charges Financial Hardship Success Stories

natweststaffmember

nevergiveup32 wrote: »

RBS Bank decision, right?



Yes from the collections dept of the RBOS...just got everything crossed !

I am going to try and second guess them.
Do you have priority debt arrears(mortgage or rent, council tax, utilities)?
Do you have non priority debts(credit cards, store cards, catalogues, loans)?

nevergiveup32

I am going to try and second guess them.
Do you have priority debt arrears(mortgage or rent, council tax, utilities)?
Do you have non priority debts(credit cards, store cards, catalogues, loans)?


Yes, to rent,ok with council tax, yes major to electric
Yes to CC, yes to Loans

Also lone Mother of one small child , working 16 hours per week . in a negitive monthly of £245

?? your quess is ?;)

Happiness6500

im in financial difficulty at moment , partly my fault, couple of things have occurred , as expecting monies from late fathers estate went a bit ballistic with expanding debts , the monies have still not yet materialised so now find myself over stretched , also my daughter has went off to uni so have dropped about £250 in tax credits and family allowance. I am on my own with kids , father doesnt contribute as at the time we seperated he paid off a joint loan and i agreed that he didnt contribute. anyway , would i have a case for hardship in your opinion.. I am in the process of setting up a DMP with CCCS. I am in fulltime employment and my salary hasnt gone down .. help.. the refund of bank charges now would be a real help ... i am in unauthorised overdraft as one of my creditors has taken monies via guaranteed cheques and nothing i could do to stop cheque even though i set up a stop £10 per cheque (5 cheques) . I have made the bank aware of my financial issues Need advice

natweststaffmember

nevergiveup32 wrote: »

I am going to try and second guess them.
Do you have priority debt arrears(mortgage or rent, council tax, utilities)?
Do you have non priority debts(credit cards, store cards, catalogues, loans)?


Yes, to rent,ok with council tax, yes major to electric
Yes to CC, yes to Loans

Also lone Mother of one small child , working 16 hours per week . in a negitive monthly of £245

?? your quess is ?;)

My guess is hopeful and my other advice is to reclaim the credit card charges

natweststaffmember

Happiness6500 wrote: »

im in financial difficulty at moment , partly my fault, couple of things have occurred , as expecting monies from late fathers estate went a bit ballistic with expanding debts , the monies have still not yet materialised so now find myself over stretched , also my daughter has went off to uni so have dropped about £250 in tax credits and family allowance. I am on my own with kids , father doesnt contribute as at the time we seperated he paid off a joint loan and i agreed that he didnt contribute. anyway , would i have a case for hardship in your opinion.. I am in the process of setting up a DMP with CCCS. I am in fulltime employment and my salary hasnt gone down .. help.. the refund of bank charges now would be a real help ... i am in unauthorised overdraft as one of my creditors has taken monies via guaranteed cheques and nothing i could do to stop cheque even though i set up a stop £10 per cheque (5 cheques) . I have made the bank aware of my financial issues Need advice

Do you have priority debt arrears(mortgage or rent, council tax, utilities)?

pavan_2

I know its only a small amount but £98 is a lot for us as I only work part time due to looking after my daughter and this really helps so I just wanted to let people know that its still possible to get something with relatively no hassle so don't let the legal battle put you off. Erie Auto Insurance Quote

Happiness6500

natweststaffmember wrote: »

Do you have priority debt arrears(mortgage or rent, council tax, utilities)?

I have made an arrangement but am about £385 in rent arrears ... but ?

natweststaffmember

Happiness6500 wrote: »

I have made an arrangement but am about £385 in rent arrears ... but ?

Are you paying off any of the arrears?

Happiness6500

yea will have it paid off end of financial year hopefully

natweststaffmember

Happiness6500 wrote: »

yea will have it paid off end of financial year hopefully

I was hoping you would say no. Gut feeling says they may say that you aren't in financial hardship now. I think you would have been earlier in the process because of arrears building up but if they are being repaid they may see this as having sufficient money to cover priority creditors and more to pay off arrears. However, ask them the question and we will see what they say.