another request for bank charges help.

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.

natweststaffmember

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.

The answer is no. I have to say that this is early days after the Supreme Court ruling I gotta say that at the moment, many people have many differing ideas how to do a claim and I think when the dust and the flames are cooled we should be able to answer the question of what she can do now rather than what the bank could have said and did not say....apologies I can't be anymore off the fence at the moment but this is the period of quiet reflection(so to speak).

McKneff

Thanks for that, i just feel so sad about it, especially as we live in a small market town as does she, the staff at the bank are almost like friends the community is so small, everyone, customers and staff alike know each other very well for the most part. After she had been a customer for the last 20 years or so. ah well,

Anyway, we will let the furore settle down a bit and then get some more advice after its done.