claiming bank charges - and defualted account

natweststaffmember

Can I clarify that this is Abbey bank, right? (just to be certain that is)

TRYING_TO_BE_DEBTFREE

yes abbey bank and they were still charging me overdraft charges etc even tho ive sent that letter.....they even took my JSA from me a few months ago so not only am i furious that theyve not responded but am determined to get MY money back.

natweststaffmember

TRYING_TO_BE_DEBTFREE wrote: »

yes abbey bank and they were still charging me overdraft charges etc even tho ive sent that letter.....they even took my JSA from me a few months ago so not only am i furious that theyve not responded but am determined to get MY money back.

If you are claiming financial hardship send another letter, with an income and expenditure form(for your household) and copies of any arrears notices to the address you have and recorded delivery so that you know they will have received it.
Give them 14 days to respond. I am sure they will respond.

TRYING_TO_BE_DEBTFREE

thanks. i sent the original letter together with my cccs financial analysis but i will resend with a copy of my mortgage statement and this time defly send it recorded. is the letter same as last time then or is there a different format i can send?

what happens with ccas and DCAs btw?

natweststaffmember

TRYING_TO_BE_DEBTFREE wrote: »

thanks. i sent the original letter together with my cccs financial analysis but i will resend with a copy of my mortgage statement and this time defly send it recorded. is the letter same as last time then or is there a different format i can send?

what happens with ccas and DCAs btw?

When was the CCS analysis done? If it was in june then re do an income and expenditure form so that it is up to date.
http://www.moneyadvicetrust.org/content.asp?ssid=38
Did you use the hardship letter or the bank charges letter?

TRYING_TO_BE_DEBTFREE

i sent the hardship letter. cccs done in may. where do i get income and exp form from? do i use the one that i did with cccs?

natweststaffmember

TRYING_TO_BE_DEBTFREE wrote: »

i sent the hardship letter. cccs done in may. where do i get income and exp form from?
See the above link to moneyadvice trust
do i use the one that i did with cccs?

http://www.moneysavingexpert.com/reclaim/bank-charges-hardship
The above is the MSE guide to reclaiming via financial hardship.