abbey bank charges

kerry13238

hi has anyone had any dealings with abbey on the bank charges of around £7500 i have filled in the hardship form i am not in arrears because i keep having to use my credit card to cover my £300 a month shortfall on my earings compaired to outgoings and soon i wont have any left on credit card then i dont know what i will do is this hardship?

natweststaffmember

kerry13238 wrote: »

hi has anyone had any dealings with abbey on the bank charges of around £7500 i have filled in the hardship form i am not in arrears because i keep having to use my credit card to cover my £300 a month shortfall on my earings compaired to outgoings and soon i wont have any left on credit card then i dont know what i will do is this hardship?

I guess it's a wait and see approach but it will be interesting to see their response. Is there a reason why you were unable to cover the outgoing with the money going in, ie a drop in income?

kerry13238

low income had 2 jobs but lost one causing drop of income i have got 2 children

natweststaffmember

kerry13238 wrote: »

low income had 2 jobs but lost one causing drop of income i have got 2 children

That is the argument I would use so I hope they look at that date onwards to refund charges and perhaps suspend some for a period so you can get back into a routine rather than having to cover charges as well as your outgoings.

kerry13238

do you think this will fall under the hardship rules. a couple of years ago when most the charges were gained my now ex husband vanished and i was not working as the children were extremely young and his income was the only income. so i had to go and get a job and pay for child care ect i did get tax credits but it took a few months for it to be sorted and in that time i had no money and bills did not get paid and when i did get my award it still was not enough to cover mortgage bill ect so each month i got further behind and got around £250 a month in bank charges i only earned about £140 a week £240 with tax credits roughly i cant remember the exact.

natweststaffmember

kerry13238 wrote: »

do you think this will fall under the hardship rules. a couple of years ago when most the charges were gained my now ex husband vanished and i was not working as the children were extremely young and his income was the only income. so i had to go and get a job and pay for child care ect i did get tax credits but it took a few months for it to be sorted and in that time i had no money and bills did not get paid and when i did get my award it still was not enough to cover mortgage bill ect so each month i got further behind and got around £250 a month in bank charges i only earned about £140 a week £240 with tax credits roughly i cant remember the exact.

You are using the credit card, your income has dropped and if you have any priority debt arrears(mortgage.rent, council tax, utilities) then you are in a strong position(which doesn't come across as it is meant to sound, so I hope that makes sense).