claiming hardship on wifes bank account

dougpearce

hi

could anyone let me know if my wife can claim back her bank charges using hardship. i was injured at work and have been on half pay for a while and we are struggling because of this. the dwp have accepted that i am now disabled because of the accident and am getting a small amount of benefit which is being payed into her account. but it is nowhere near as much as i am out of pocket by being on half pay.

thanks if anyone can help

doug

natweststaffmember

dougpearce wrote: »

hi

could anyone let me know if my wife can claim back her bank charges using hardship. i was injured at work and have been on half pay for a while and we are struggling because of this. the dwp have accepted that i am now disabled because of the accident and am getting a small amount of benefit which is being payed into her account. but it is nowhere near as much as i am out of pocket by being on half pay.

thanks if anyone can help

doug

Yes I think you might be able to. What stage are you currently at?

dougpearce

hiya

i have all her bank statements going back to 1999 due to my bankruptcy. i have worked out that there will be aver 5000 to reclaim. i havent worked since since may 2009 when i had an emegency op on my lower back. the opp hasnt worked and am now waiting for another one. i have been accepted for 2 diff benefits of dla and also industrial accident. in july i was declared as 20% disabled but since then have got worse.

i am only going to be getting half pay for a little while longer then down to ssp. the big issue is my wife is the main earner. she earns approx 30k but due to loans and cc and mortgage this doesnt cover it my wife has a 2k od agreed but most months we go over this. her mum has been really kind and keeps giving us money to cover bills.

due to these outgoings i cannot afford to even have chiro on my back anymore.

thanks for your help

natweststaffmember

I need to check that none of the accounts you are reclaiming for were part of the bankruptcy otherwise we stop at stage one now.

dougpearce

nope it was just me that went bankrupt. theaccount was in just her name at that time so wasnt anypart of the bankruptcy.

natweststaffmember

dougpearce wrote: »

nope it was just me that went bankrupt. theaccount was in just her name at that time so wasnt anypart of the bankruptcy.

Phew, in that case it's all steam ahead

dougpearce

superb so they are likely to pay out on hardship for us?

what are they likely to do to her account if we do claim?

natweststaffmember

dougpearce wrote: »

superb so they are likely to pay out on hardship for us?

what are they likely to do to her account if we do claim?

They shouldn't do anything to her account albeit they can offer her a basic account under financial hardship.
Will they pay out? It is impossible to be 100% certain but unless you ask the question we will never know.

dougpearce

just had a letter back from Natwest saying that we have to wait till after the highcourt rulling.

any suggestions on what to send back to them?

doug

natweststaffmember

dougpearce wrote: »

just had a letter back from Natwest saying that we have to wait till after the highcourt rulling.

any suggestions on what to send back to them?

doug

Are there priority debt arrears(mortgage.rent, council tax, utilities)?
I should have asked before now btw(so kicking myself now that I have to ask)

dougpearce

no to those because we have borrowed money from wifes mum.

inc having to borrow money to stop a ccj of £290

borrowing about 500 per month from her