my natwest hardship reply

tomtita1

hi all , well ive just received my reply from natwest after sending my income / expenditure form ,, and actually only a 6 days after sending it ?
they say on it

thank you ect ect

we are currently reviewing the full extent of your financial position
and we will contact you shortly .
please find enclosed your original documents yours ect ect

i do believe i will meet there criteria on the basis of

1 - being made unemployed
2 - having notice of seizure notices ( council tax last year & year comeing )
3 - being in negative monthly balance of £ 897 per month
4 - being in arrears of electric to the tune of £900
5 -being in arrears of rent £ 1000

basically income of £ 1360
expenditure of £ 1758 = negative of £398.00

having to find also £500 to meet the commitment plans

any thought ?

natweststaffmember

I think I gave a response on your other thread, I think.

tomtita1

natweststaffmember wrote: »

I think I gave a response on your other thread, I think.

we got this far ?

Ok, next question is there any other person living with you that has an income that helps towards the cost of household bills?

Have you completed an income and expenditure form


ok .. yes ive filled the icome / expediture form & posted , i rang natwest responce team today after 9 days of the m receiving it , the nice girl
said nothing to report as yet , but thinks around another week or 2 max
for a reponce ?

all the figures ive put to you are my mrs monthly salary
of which i receive £ 90 a week child tax credit ( 2 kids 10 & 14 )
also of which she received £ 68 but this year they have halved hers
cos they said they overpiad !! which is good crack also !
also in the tune of £2000 ish lent through family members to cover
paying the commitment plans ( priority debts )

is this helpfull ?

cheers again

natweststaffmember

tomtita1 wrote: »

we got this far ?

Ok, next question is there any other person living with you that has an income that helps towards the cost of household bills?

Have you completed an income and expenditure form


ok .. yes ive filled the icome / expediture form & posted , i rang natwest responce team today after 9 days of the m receiving it , the nice girl
said nothing to report as yet , but thinks around another week or 2 max
for a reponce ?

all the figures ive put to you are my mrs monthly salary
of which i receive £ 90 a week child tax credit ( 2 kids 10 & 14 )
also of which she received £ 68 but this year they have halved hers
cos they said they overpiad !! which is good crack also !
also in the tune of £2000 ish lent through family members to cover
paying the commitment plans ( priority debts )

is this helpfull ?

cheers again

Can I clarify something. I don't work for NatWest and haven't done so since February 2009. I post a lot on this forum and have had conversations with the FOS with regards to Financial Hardship and how it works.
The basic criteria is having priority debt arrears which are not being repaid back through payment plans. However, this is not necessarily fixed in stone.

Personally, I would use what I would call the harrass them technique, ie ring every single day if need be for an update and talk about stress of Priority debts etc.etc. If they reject you for hardship they have to write to you with a reason regardless of anything, If they accept you they do not have to refund charges however they may make an interim payment which may not be 100% of the claim but it is not a full and final settlement either. That means that if they offer £20 the rest is still on the table(am not saying they will or whether the figure is not derisory either).
I hope this kinda helps. Initially it looks possible and fingers are crossed for you dependent on household income.

tomtita1

thanks for response , i will take on board your thoughts and start pushing them for a response at the very least , thanks again