Help and Advice Please

Hailz86

Hi there guys,

I am looking for help in reclaiming bank charges under the financial hardship and wanted to double check I qualify.
I am currently out of work due to an injury leaving me unable to walk for a currently unknown period of time and I am heavily in debt and newly claiming JSA.
What are the rules and regulations on this hardship claim and how do I go about it.
Any help and advice would be appreciated.

Hailee xx

natweststaffmember

"2.
In making an assessment of financial difficulty the firm will take into account:
a.
evidence of changes in lifestyle, including loss of employment; disability; serious illness; imprisonment; relationship breakdown; death of a partner; starting a lower paid job; parental/carer leave; and starting full-time education;
b.
evidence of the following events:
i.
items repeatedly being returned unpaid due to lack of available funds;
ii.
failing to make loan repayments or other commitments;
iii.
discontinuation of regular credits;
iv.
notification of some form of insolvency or court proceedings;
v.
regular requests for increased borrowing or repeated rescheduling of debts;
vi.
making frequent cash withdrawals on a credit card at a non-promotional rate of interest; and
vii.
repeatedly exceeding a credit card or overdraft limit without agreement (and, in this regard, where a complainant has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty)."

The above is the criteria which is from the FSA Waiver on Bank Charges.

Hailz86

thank x

Hailz86

so how do I go about making a claim? xx

natweststaffmember

http://www.moneysavingexpert.com/reclaim/bank-charges-hardship
Try the above link

Hailz86

Thanks that is very helpful and I will get on to it right away, will keep you all updated of the progress xx