Abbey Bank hardship help pls

rscottw

Good Evening all
Abbey have agreed we are in financial hardship they refunded us less than 1 charge £24.25 which took the account balance to zero.What should we do next we have priority arrears on mortgage £6k gas £500 elec £240 Water £450
£1.2k council tax they are aware of these debts. Bank charges total nearly 2k where do we go from here?
any advice
thanks

natweststaffmember

rscottw wrote: »

Good Evening all
Abbey have agreed we are in financial hardship they refunded us less than 1 charge £24.25 which took the account balance to zero.What should we do next we have priority arrears on mortgage £6k gas £500 elec £240 Water £450
£1.2k council tax they are aware of these debts. Bank charges total nearly 2k where do we go from here?
any advice
thanks

Ask them for a final response so you can take it to the Ombudsman but while you are here.
Are any of the priority debt arrears being paid off or part of a payment plan?
Do you still use the account?

rscottw

still have account but wages go into different bank account A & L (same company now they also agreed hardship and refunded most of charges)

paying a little off extra each month
on a debt management plan for unsecured debts

we are in this state as i have been made redundant twice in last 2 years

natweststaffmember

rscottw wrote: »

still have account but wages go into different bank account A & L (same company now they also agreed hardship and refunded most of charges)

on a debt management plan for unsecured debts

I apologise for asking the question but did the A&L payout cover existing arrears?
Or what happened to it?

rscottw

hi it (980)was used paying mortgage for 2 months whilst out of work but not enough to pay arrears

natweststaffmember

rscottw wrote: »

hi it (980)was used paying mortgage for 2 months whilst out of work but not enough to pay arrears

I am gonna clarify this but Nationwide are pretty much by the book. Did you incur charges on the account during the period of unemployment and did the charges increase the arrears as a result?

rscottw

hi yes we did get charges whilst i was unemployed from both abbey and alliance & leics.
mortgage with northern rock and also got charges on the mortgage (55 a month)was unemployed for 9 months

natweststaffmember

rscottw wrote: »

hi yes we did get charges whilst i was unemployed from both abbey and alliance & leics.
mortgage with northern rock and also got charges on the mortgage (55 a month)was unemployed for 9 months

did the mortgage go out of the Abbey account? (as you can tell a long week is catching up on me and I called them Nationwide )

rscottw

mortgage was out off a&l but gas and electric etc did come out offabbey so charges resulted in non payment off dd for these bills.

natweststaffmember

rscottw wrote: »

mortgage was out off a&l but gas and electric etc did come out offabbey so charges resulted in non payment off dd for these bills.

hmmm, was any income going into Abbey?
Did you complete an income and expenditure form with Abbey?

rscottw

my wifes salary went into abbey
and we sent abbey income and expenditure