Does anyone have the reclaiming charges template letter?

CLErical1

I'm such a fog-brain. I know you can get the template letters for reclaiming the bank charges on this site, but I cannot open the links that are there. I've also sent the emails to get them in an email, but I'm having huge problems with Microsoft Word, and it's not letting me open anything in it.

Would anyone be so kind to copy and paste the letters into a reply to this post, not a link, so that I can copy the template letter out by hand.

All I want is the hardship letter, and the regular letter, I don't need the ones for claiming with interest.

I've sent a PM to someone at this site, Wendy? I think (it was someone who posted the email addresses to send to if the links are not opening, but I'm not sure whether people reply very often here)

It's the first time I've posted here, really need the template letters as my mum and I are in debt, and I'm disabled which is making life hard.

Thanks

natweststaffmember

[FONT=&quot][insert your name [/FONT]
[FONT=&quot]and address][/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot][insert date][/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot][insert name and [/FONT]
[FONT=&quot]address of bank][/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Dear Sir or Madam,[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Account number: [insert account number][/FONT]

[FONT=&quot] [/FONT]

[FONT=&quot]I am writing to request that you repay all the default charges that have been applied to my account since 27 July 2001 [include if relevant or delete, stop any debt enforcement action being taken against me] and stop adding any further charges to my account. I do not believe these charges reflect the true cost to [insert name of bank] of going into unauthorised overdraft.

I request that you deal with my case now rather than once the test case has ended as I am currently experiencing financial difficulties due to [select from a loss of employment / disability / serious illness / imprisonment / a relationship breakdown / the death of a partner / starting a lower paid job / needing to take parental care leave / starting full time education] and the FSA waiver states that you should continue to deal with hardship cases. [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]My current circumstances mean that I [enter full details of why you are in financial hardship and the effect is has on your life, for example are you missing mortgage payments, needing to take cash out on a credit card to pay for day to day goods]. [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot][Use this section if you rely on income based benefits as your income or delete][/FONT]
[FONT=&quot]Additionally, I rely on means tested benefits for my income and this has been set by the government as the minimum amount of money someone needs to live on. [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]The charges total £[insert total charge]. I believe I have been unlawfully deprived of the money and therefore ask that you repay me the full amount. I have attached a full schedule of the charges with this document. [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]I look forward for a full response to this letter within 14 days.[/FONT]

[FONT=&quot]Yours faithfully,[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot][insert your signature][/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot][insert your name (printed)][/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot][Include a list of charges and be sure to keep a copy for yourself][/FONT][FONT=&quot][/FONT]



I would also INCLUDE an income and expenditure form(household)
PLUS any notices of arrears.
I have excluded the blurb at the start btw from the template.