what next..??

delish_2

hi, after some good advice from members on this forum, i applied for my bank charges back under the hardship ruling, i'm currently at stage 2, i have wrote to my bank, using the guide letter off here, asking for my money back and have had no reply. Now on the letter i printed off it states that the bank should respond within 14 days, they have not done, so what do i do next???

natweststaffmember

delish wrote: »

hi, after some good advice from members on this forum, i applied for my bank charges back under the hardship ruling, i'm currently at stage 2, i have wrote to my bank, using the guide letter off here, asking for my money back and have had no reply. Now on the letter i printed off it states that the bank should respond within 14 days, they have not done, so what do i do next???

Where did you send it?
Which bank is it?
Have you included an income and expenditure plus notice of arrears?

delish_2

natweststaffmember wrote: »

Where did you send it?
Which bank is it?
Have you included an income and expenditure plus notice of arrears?

i sent it to my local branch, as advised by yourself in an earlier post. The bank in question is HSBC, I have not inclued any evidence of income & expenditure, but my main financial problems are my current account and visa, both held at the HSBC. i'm out of work and they are aware of this so i presume they know my circumstances.

natweststaffmember

delish wrote: »

i sent it to my local branch, as advised by yourself in an earlier post. The bank in question is HSBC, I have not inclued any evidence of income & expenditure, but my main financial problems are my current account and visa, both held at the HSBC. i'm out of work and they are aware of this so i presume they know my circumstances.

I never advise sending it to a local branch ever. I worked in a branch when I worked for the bank, so, that is not my modus operandi.
VISA is a credit card and is non priority debt so if there are charges on the account then you need to reclaim those ones as well. For HSBC I would complete and income and expenditure form:
http://www.hbeu1.hsbc.com/ukpersonal/budgetexpensescalc/ins.jsp
Plus send it to this address:
The Service Quality Team
HSBC Bank plc
Arlington Business Centre
Millshaw Park Lane
LEEDS
LS11 0PP

delish_2

well i must be mistaken then NWSM, but I did ask the question on here, and I was told to post to my local branch, just thought it was yourself as you always answer my posts. I also read it here - see link about a quarter way down.
http://forums.moneysavingexpert.com/showthread.html?t=400981
as I bank with HSBC and have gone down the hardship route, I didnt think I would need to send proof of arrears, because they know I'm unemployed and phone me 2-3 times a day regauarding the state of my account and visa. do you think I should send proof?
Also since I sent the letter I have been in contact with the CCCS and they have made me an appointment with an expert. Is this worth mentioning, will it help my hardship case?

natweststaffmember

delish wrote: »

well i must be mistaken then NWSM, but I did ask the question on here, and I was told to post to my local branch, just thought it was yourself as you always answer my posts. I also read it here - see link about a quarter way down.
http://forums.moneysavingexpert.com/showthread.html?t=400981
as I bank with HSBC and have gone down the hardship route, I didnt think I would need to send proof of arrears, because they know I'm unemployed and phone me 2-3 times a day regauarding the state of my account and visa. do you think I should send proof?
Also since I sent the letter I have been in contact with the CCCS and they have made me an appointment with an expert. Is this worth mentioning, will it help my hardship case?

I think you are referring to this post btw
http://forums.moneysavingexpert.com/showpost.html?p=24087369&postcount=3
I didn't say to send it to the branch or not to send it to the branch so there may have been a misunderstanding.
Proof of arrears(unemployment is not an arrears). You need to state to the bank when you were made unemployed and the effect on your ability to cover priority debt arrears.

delish_2

thanks for your reply NWSM.
So just to remind me, I need to resend the info I already sent (letter asking for charges back & copy of charges) also an income/expenditure form, and evidence of arrears to the address you posted above.
is this all i need???

natweststaffmember

delish wrote: »

thanks for your reply NWSM.
So just to remind me, I need to resend the info I already sent (letter asking for charges back & copy of charges) also an income/expenditure form, and evidence of arrears to the address you posted above.
is this all i need???

yes absolutely....

delish_2

natweststaffmember wrote: »

yes absolutely....

thanks again:j