Please help me to reclaim hardship

FBANGS

Please help me to reclaim my bank charges. Over a month ago I wrote to my bank Halifax trying to reclaim my charges.This weekend they reply by saying all claims are on hold at the moment until the ruling of OFT.My charges are almost £5000.today I phone them to ask ,I will like to change it to the hardship.They said they will send me a form to fill about my incoming and out goings. I am over my £2300 overdraft with them at the moment.Over the last few months most of my direct debit and chques were unpaid because of no enough fund in my bank account. I am about £2000 in arears with my morgage payment.I know I wil soon recived a letter from my morgage lender taking me to court.they being trying to call me but I did not pick the phone. I am not sure if I will qualify for the hardship.I bought my flat four years ago, a year after I moved in with my boyfriend. I change my halifax address to my current address.I still own my flat,i cant sell it at the moment because the eqiuaty of the property is negative.the rent does not cover my mortage.the address of my flat is diffrent to the one I am using now with halifax.I being banking with halifax ovey 16 years.so they have myflat as my old address. will I be able to qualify for hardship?

natweststaffmember

FBANGS wrote: »

Please help me to reclaim my bank charges. Over a month ago I wrote to my bank Halifax trying to reclaim my charges.This weekend they reply by saying all claims are on hold at the moment until the ruling of OFT.My charges are almost £5000.today I phone them to ask ,I will like to change it to the hardship.They said they will send me a form to fill about my incoming and out goings. I am over my £2300 overdraft with them at the moment.Over the last few months most of my direct debit and chques were unpaid because of no enough fund in my bank account. I am about £2000 in arears with my morgage payment.I know I wil soon recived a letter from my morgage lender taking me to court.they being trying to call me but I did not pick the phone. I am not sure if I will qualify for the hardship.I bought my flat four years ago, a year after I moved in with my boyfriend. I change my halifax address to my current address.I still own my flat,i cant sell it at the moment because the eqiuaty of the property is negative.the rent does not cover my mortage.the address of my flat is diffrent to the one I am using now with halifax.I being banking with halifax ovey 16 years.so they have myflat as my old address. will I be able to qualify for hardship?

Fbangs have a look at this thread on legal beagles.
http://www.legalbeagles.info/forums/showthread.php?t=18427
It has the Halifax I&E form and you will need to send notices of arrears to the address mentioned on that thread post number 9.
As you might notice I am the same name here and there.

FBANGS

What happen if halifax said I am not quqlify for harhship,will I still be in the waiting list for my reclaim after the OFT ruling? if I am qualify for the hardship but not happy with the offer,If I reject it ,will they still put me in the waiting list?

natweststaffmember

FBANGS wrote: »

What happen if halifax said I am not quqlify for harhship,will I still be in the waiting list for my reclaim after the OFT ruling? if I am qualify for the hardship but not happy with the offer,If I reject it ,will they still put me in the waiting list?

Until you write to them then we won't know. You tick the box on priority debt arrears. We need lifestyle event that caused an increase in charges, ie loss of job, loss of overtime, having a child, separation from a partner, etc,etc,.
Once you start the process you are already in the queue.