nationwide reclaim

natweststaffmember

bigjluk wrote: »

i have had 6 years of bank charges on this account that is overdrawn ,and that is on a payplan ,which amount to over 4k worth of charges,i dont understand what you cannot get

Do you currently use the account?
Do you have any other bank account live and active today?

bigjluk

no i am not using the account,even though i get statements,and yes i opened up a natwest account

natweststaffmember

bigjluk wrote: »

no i am not using the account,even though i get statements,and yes i opened up a natwest account

This is the argument that I cannot see which is how the Nationwide account today is causing you financial hardship today.
I'll ask another queston as well. On the mortgage arrears, are the arrears getting worse, staying the same, or being paid off?

bigjluk

staying the same,so you are saying i cannot claim financial hardship if i dont use the account,even though they owe me over 4k in charges

natweststaffmember

bigjluk wrote: »

staying the same,so you are saying i cannot claim financial hardship if i dont use the account,even though they owe me over 4k in charges

No I am not saying you cannot claim. I am making an assessment so as to make sure that you do not build up your hopes to them rolling over and paying out in full.
Yes reclaim under financial hardship but BE PREPARED for them to say no because of what I have said above.

bigjluk

i have been laid off today,and am not going to be paid(being knocked) for the past 2 weeks,now ia m in trouble if i dont find a new job soon,will this change the hardship case,friday the 13th strikes again

natweststaffmember

bigjluk wrote: »

i have been laid off today,and am not going to be paid(being knocked) for the past 2 weeks,now ia m in trouble if i dont find a new job soon,will this change the hardship case,friday the 13th strikes again

It doesn't change the assessment since Nationwide is not causing the hardship anymore. BUT make them aware of it anyway.

margymuggins

Hi may not be your dept but would you know if you can claim against building societys we have mortgage with one and in 2005 i had heart attack leading to heart by pass which left me with complications and my husband could not work we incurred no end of charges nasty letters and really nasty threatning phone calls so now would be a good time to get charges back sorry if not posted in right place

natweststaffmember

margymuggins wrote: »

Hi may not be your dept but would you know if you can claim against building societys we have mortgage with one and in 2005 i had heart attack leading to heart by pass which left me with complications and my husband could not work we incurred no end of charges nasty letters and really nasty threatning phone calls so now would be a good time to get charges back sorry if not posted in right place

You can reclaim charges even if it was a building society.

margymuggins

hi thanks i am going to get in touch to see if they will just refund the charges without correspondance just also found out there is a forum been started up regarding mortgage arrears