Bank Charges Financial Hardship Success Stories

kathryn33

Peter_Greenhill wrote: »

Excellent decision by the Supreme Court today. People who did not want to pay the charges should not have gone over their authorised overdaraft limit. People need to sort their finances out and not expect people who keep their accounts in positive territory to subsidise them.

what an !!!!

Peter_Greenhill

All I'm doing is expressing a point of view and yet some people have to resort to personal abuse.
I don't work for a bank.

I_Hate_Banks_2

I have recently lost my business and looking like losing my home, I had not been in any financial difficultys for years however with everything going on trying to swim with the sharks I looked at my home bank account and saw there was £12:00 in so I just left it there. Not thinking anymore about it with other things taking all my time I was shocked to get a phone call from the bank informing me I was overdrawn nearly £1500:00 when I asked how this was it turned out to be just charges as they returned 1 direct debit then another and it snowballed from there untill they were happy to be owed the above amount and that was the first I knew about it!!! Did they cancel my DDs NO did they call me to ask what was happening NO did they write to me and inform me NO. Now I know I should have been more vigal but you have to understand I was having a break down at the time through stress and worry but yet they still bombard me constantly and to be honest this tantomount to criminal in my eyes but now I'm left with no bank account and no where to turn. Now you can understand my user name. Sorry for waffling on but I just hope one day the people now snearing at us useless inept people who get ripped off and saying it's your own faults may one day suffer the same as I never saw myself skint.

biscuitdunker

Peter_Greenhill wrote: »

All I'm doing is expressing a point of view and yet some people have to resort to personal abuse.
I don't work for a bank.

Why did you post it here, though? You're clearly just trying to wind people up, an obvious troll. Nasty piece of work.

Marsdendean

Can we now not claim under hardship?

natweststaffmember

Marsdendean wrote: »

Can we now not claim under hardship?

"GUIDANCE ONLY

Dealings with customers in financial difficulty

BCOBS 5.1.4 01/11/2009 Principle 6 requires a firm to pay due regard to the interests of its customers and to treat them fairly. In particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty.

Principle 6 - Customers' interests A firm must pay due regard to the interests of its customers and treat them fairly."

The above is from the BCOBS formerly Banking Code. The bank can still look at financial hardship claims and refund charges for the period of that hardship. I would not necessarily have a knee jerk reaction of immmediately rushing to the County Courts yet especially while a period of consideration and reflexion are going on around the Supreme Court decision. Keep calm and keep your eyes on the forums. This is still early days.

DaveChaos

Bank: RBS
Amount Reclaimed: £1090
Amount they paid: 1508
How long did it take: 5 weeks
The story: Sent the letters from this site, replied to them with the info they needed, got my money back the day before they won the test case!, Lucky :beer:

annarooster_2

Am really upset, had applied to Co-Operative Bank under hardship rules for charges back, they telephoned me approx two weeks ago to say I was due about £700 back, they spent ages on phone with me advising me re my how to use the payout effectively re my debts, and that they wouldn't use it to pay off my overdraft, i could continue to gradually reduce that. They also said they would stop any pending charges on my account.

This meant I could get on top of some debts etc, they said would call me back on day it went in account, likely one/two days from this call.

I never heard anything and couldn't get through when I rung them.

Today I ring because if a new £60 charges and am told that my hardship claim is 'under review' because of the new court ruling.
I was not allowed to speak to the person handling the hardship case just told they would ring me but they were very busy and it would be when they have decided what is happening because of new ruling.

I feel really cheated, particularly because they were so nice on the phone.

Anyone any advice on how to proceed, they weren't very nice on the phone regarding nor putting me through to this dept and I feel completely powereless.

Namechanger

I am reclaiming in hardship from HSBC and they have been paying me back a measly £150 a month. Is this likely to continue?

kathryn33

has anyone claimed anything back due to hardship since courts went in favour of banks