HBOS Email address

LJ1911

Hi - I am in the process of trying to reclaim bank charges from HBOS. My claim is for just over £3000 and they have offered me £175 . This does not nearly cover my priority debt arrears so I sent a letter to them last Friday giving them 7 days to respond with an improved offer (hopefully). Anyway the 7 days is up tomorrow and I would like to send them a little reminder e-mail but don't know if customer relations has a contact e-mail address. Please can someone advise if they know their e-mail address?

Many Thanks

natweststaffmember

LJ1911 wrote: »

Hi - I am in the process of trying to reclaim bank charges from HBOS. My claim is for just over £3000 and they have offered me £175 . This does not nearly cover my priority debt arrears so I sent a letter to them last Friday giving them 7 days to respond with an improved offer (hopefully). Anyway the 7 days is up tomorrow and I would like to send them a little reminder e-mail but don't know if customer relations has a contact e-mail address. Please can someone advise if they know their e-mail address?

Many Thanks

How much is your priority debt arrears compared to the offer?
How did the situation escalate on your priority debt arrears?

LJ1911

natweststaffmember wrote: »

How much is your priority debt arrears compared to the offer?
How did the situation escalate on your priority debt arrears?

My priority debt arrears are over £1000 and we got into this situation last year when we had an accumulation of things go wrong all in the space of a few months. First of all our boiler packed in, then our fridge, then our washing machine and then our car. I was beginning to think I was jinxed. It got us into a mess financially. I know some people would say that we should have paid our priority debts first but when you have 2 small children and you rely on the car to get to work then we had no option but to get these things sorted as they crop up.
I phoned the bank in January advising that a direct debit had been missed and accepted that this was my fault and accepted that I would receive 1 charge for £35. However this charge caused a snowball effect and I have had 11 charges of £35 applied to my account since January. The bank did not want to know so I wen down the route of trying to claim six years back under financial hardship.
The £175 they have offered us only covers the last 2 months and doesn't even go back to January when I originally asked them to stop the charges as I could see it snowballing.
As a result of these charges they have taken away my full child benefit one week and left me unable to pay the full amounts to my priority debts.

They accept that I am in financial hardship but don't want to negotiate on the £175. I would accept a lower offer than what I claimed because I accept that the banks can apply a charge for failed items but it is the extent of these charges and applying charges as a result of charges that really angers me.

I have advised them of this in my letter but as yet I have not heard from them again and I did accept the £175 as this will pay a little bit of my debts. However this has not yet been paid into my bank account.

natweststaffmember

I take it there is no room to move on your budgetting either?

LJ1911

no we can't as we have more going out than coming in. It won't be forever though as my eldest daughter is starting school in August and I am starting a MSc course, which I should complete by next September then hopefully I will be earning again. This will mean 2 wages coming in and my husband and me feel if we can just struggle through the next year and a bit things will get better for us.

In the mean time though a refund on these bank charges would have helped us enormously to get back on track. As it is I guess we are just going to have to try to get by as best we can. I am going to keep fighting them though