useful hardship tip

DrDoo

not sure if this has already been posted:

I went through all of the steps to claim back charges of about £1000 all in all and just got the same old response of 'waiting for the court case' blah blah blah.

I then sent in a hard ship letter and they got back to me saying that they had deposited a 'good will' sum of £2000 into my back - and this was a well known high street bank!

I had them re-check it because i was worried that if i spent it they would realise they had made a mistake and had given me too much and would demand it back. but i spoke to three seperate people in the branch and on the phone and was told that there had been no mistake and that it was a 'good will gesture' for my hardship - (they didn't even ask for evidence of hard ship)- i recorded the times of the calls and whom i spoke to !

natweststaffmember

DrDoo wrote: »

not sure if this has already been posted:

I went through all of the steps to claim back charges of about £1000 all in all and just got the same old response of 'waiting for the court case' blah blah blah.

I then sent in a hard ship letter and they got back to me saying that they had deposited a 'good will' sum of £2000 into my back - and this was a well known high street bank!

I had them re-check it because i was worried that if i spent it they would realise they had made a mistake and had given me too much and would demand it back. but i spoke to three seperate people in the branch and on the phone and was told that there had been no mistake and that it was a 'good will gesture' for my hardship - (they didn't even ask for evidence of hard ship)- i recorded the times of the calls and whom i spoke to !

The bank can assess hardship from their own records and will only request an income and expenditure form where they require it. Furthermore, charges would go from 27th July 2001 to present day so you might have missed some charges and maybe missed another couple of years
Congrats to you and I hope it helps alleviate your financial hardship.