now in finanical hardship - help please

Dowsett

bottom line is that i lost my job this week.

on my list of things to do after contacting lenders for their insurance is to sort my claim out with my bank.

ive read the page on reclaiming but thought id ask a question as i didnt understand.

i have sent claim letters for 2 of my accounts, they are both on hold. since then i have had more charges and now lost my job. i believe i fit into the financial hardship description.

so, what do i do now? how do i claim back the more recent charges? would i have to ask my bank (Halifax) for another up to date list of charges and then send that off again, then say i am in financial hardship?

please, any help is appriciated. i am totally in the dark on this one.

Thanks

esmerellda

If you know how much you have been charged since your original claim then you can just add those charges to your claim.

If not then yes you'd need a new transaction list.

Apart from that you want to write to your bank, informing them of the change in your circumstances, and that you consider yourself to now be in hardship and can they now consider your complaint under the waiver exemption.

they will send you out an IE form which you can complete and return with evidences.

You don't need to tell them the amount in the hardship letter if you don't know it, but reference to your original claims and say and further charges incurred since.

Also write to the bank with your change of circumstances and asking them to hold interest/charges on your account while you sort things out.

Guide to claiming in hardship

Dowsett

esmerellda wrote: »

If you know how much you have been charged since your original claim then you can just add those charges to your claim.

If not then yes you'd need a new transaction list.

Apart from that you want to write to your bank, informing them of the change in your circumstances, and that you consider yourself to now be in hardship and can they now consider your complaint under the waiver exemption.

they will send you out an IE form which you can complete and return with evidences.

You don't need to tell them the amount in the hardship letter if you don't know it, but reference to your original claims and say and further charges incurred since.

Also write to the bank with your change of circumstances and asking them to hold interest/charges on your account while you sort things out.

Hi,

i dont know how much the charges have added up to since my letters complaining and trying to reclaim so i would have to ask for a full list again.

is there any template letters i can use to tell them about this stuff? my writing skills arnt the best.

so i need to get my list of chargest. add them ALL up again, or just from the date of my previous letter?

once ive sent those charges off again (with the standard letter template again?) they send me back an IE form. will i be able to use a photocopy of my redundancy letter?

does this all have to be in writing? or could i go into branch or talk to someone over the phone?

sorry for my noob like financial bank skills - never done anything like this before and never anything as difficult or indepth! - seems to take forever.

edit: sorry i didnt notice the link you posted. thanks

esmerellda

Don't worry we all start somewhere. If you want to have a go at a letter getting the basics in, and either pm or post it up I'll go through it if you would like.
.
That link I gave you has some links to other peoples letters too which should give you an idea of how to word things

If you want me to write something for you to get you started just yell

Dowsett

esmerellda wrote: »

Don't worry we all start somewhere. If you want to have a go at a letter getting the basics in, and either pm or post it up I'll go through it if you would like.
.
That link I gave you has some links to other peoples letters too which should give you an idea of how to word things

If you want me to write something for you to get you started just yell

that'd be brilliant if you could.

i dont know where to start. i still have the template letter for getting a list of charges, so i cant really do anything until then.

once i get those charges, i will work out the total ammount and the amount from when i last sent my letters in, if thats needed?

then i assume i would need to say something along the lines of: i would like to add X amount to the total ammount owed in charges, then go on to say about myself being in financial hardship.

i get the general idea of what needs to be done, just not how it needs to done, legally etc.

If you do have enough time and are willing to help me, then i would really appriciate it.

Thanks

Mike

esmerellda

Dear Sirs

Complaint about Bank Charges - FINANCIAL HARDSHIP

I am writing to ask Halifax to reconsider my claim for a refund of bank charges due to a change in circumstances.

I currently have a claim against Halifax in the XXXX County Court, Claim reference XXXXX. Since this claim was entered I have incurred further charges on my account, which have made it increasingly difficult to manage my monthly outgoings.

I have recently lost my employment due to redundancy, and this has obviously led to a huge decrease in income, and I am finding it difficult to meet my obligations.

I attach the following documentation in support of my hardship case which supports my financial difficulty, as follows:-

EVIDENCE OF ARREARS etc

This financial situation is putting a terrible burden on me and I please ask that you reconsider my claim and my circumstances given the current waiver criteria and the banking code.

I look forward to hearing from you shortly.

Yours faithfully





That should get the right forms sent out to you Don't worry about the amounts, just get the hardship claim in.