another bank charge request for advice..

McKneff

Could anyone answer me this.

A couple of years ago a member of my family was in a very bad financial state
being charged on charges, getting deeper and deeper into debt. The bank and other people were hounding her day after day.
It caused the breakup of the relationship and nearly ended up her having a breakdown. At the time she confided in me and the only thing i could suggest was that they sold the house and started from scratch. They did this and ended up with a small equity which they split with each other. During the course of this she applied to have charges refunded. I did not know anything about the hardship rules at that time and of course would have advised her about this if i had. Did the bank not have the responsibility to let her know that she could have gone down this route. and can she have any complaint about this in the light of what has happened today. I think it was to the tune of about £5k.
Thanks, any help would be appreciated.

di3004

McKneff wrote: »

Could anyone answer me this.

A couple of years ago a member of my family was in a very bad financial state
being charged on charges, getting deeper and deeper into debt. The bank and other people were hounding her day after day.
It caused the breakup of the relationship and nearly ended up her having a breakdown. At the time she confided in me and the only thing i could suggest was that they sold the house and started from scratch. They did this and ended up with a small equity which they split with each other. During the course of this she applied to have charges refunded. I did not know anything about the hardship rules at that time and of course would have advised her about this if i had. Did the bank not have the responsibility to let her know that she could have gone down this route. and can she have any complaint about this in the light of what has happened today. I think it was to the tune of about £5k.
Thanks, any help would be appreciated.

Hi there,

so sorry to hear of your family member and hope this situation will soon be resolved.

Maybe this one would be best posted on the actual charges thread here:
http://forums.moneysavingexpert.com/forumdisplay.html?f=102
I'm sure someone will be able to help and advise on this matter.;)

Are there also any PPI to reclaim?

McKneff

all sorted di3004, thanks again.

There were PPI charges and cc charges but she doesnt want to go back and be reminded about such a
bad time in her life. So i have to support her in that.

di3004

McKneff wrote: »

all sorted di3004, thanks again.

There were PPI charges and cc charges but she doesnt want to go back and be reminded about such a
bad time in her life. So i have to support her in that.

Hi there and with pleasure.;):A

That is fair enough, however we are here if needs to be.
Hope all goes well, good luck.:beer:

marshallka

McKneff wrote: »

all sorted di3004, thanks again.

There were PPI charges and cc charges but she doesnt want to go back and be reminded about such a
bad time in her life. So i have to support her in that.

Is it a lot to reclaim though and if it is then could someone perhaps help her through it? We can all help on here.;) Sometimes they can be easier than you think if you have been missold.