can i claim or not

trying_to_dig_out_of_debt

sorry i know the answer is there some where but im new desperate and this might help me sleep!

since the court ruling i thought i couldnt claim.. but then i just read something about it not affecting financial hardship cases???

is this true.. if so can i claim .. i have a court hearing early jan for possesion of my property due to mortgage arrears.. i have about £4k worth of charges to claim back from lloyds... and it could seriously help me with the mortgage arrears!!!!

natweststaffmember

trying_to_dig_out_of_debt wrote: »

sorry i know the answer is there some where but im new desperate and this might help me sleep!

since the court ruling i thought i couldnt claim.. but then i just read something about it not affecting financial hardship cases???

is this true.. if so can i claim .. i have a court hearing early jan for possesion of my property due to mortgage arrears.. i have about £4k worth of charges to claim back from lloyds... and it could seriously help me with the mortgage arrears!!!!

Do you still use the account today?
Have you spoken to your bank about the fact you are suffering financial hardship and what help they can give to you?

Premier_2

trying_to_dig_out_of_debt wrote: »

...since the court ruling i thought i couldnt claim.. but then i just read something about it not affecting financial hardship cases???...

Q. Does the hardship rule still apply? Can I still claim if I'm in hardship?
A. The FSA's hold on banks dealing with the reclaim has been lifted, so there is no longer a specific hardship rule.

However, under FSA regulations, banks must treat you fairly anyway and be considerate if you are in hardship. If you think that hasn't happened you can complain to the Ombudsman (see How to complain to the Ombudsman guide). Though if it's about bank charges specifically it's best to follow the information below.

...
Q. I haven't yet put in a claim, what should I do?

A. Hold off for the moment while we assess the new law of the land, and investigate the exact result. Ensure you're getting the free weekly e-mail where we will publish an update as soon as possible.

Q. How likely is it I will get my money back?

A. Much less likely than prior to the result, but not impossible. Still, the best thing to do is plan for getting nothing, but cross your fingers.

As we know many people would like a 'what's the chance' type answer, our instinctive guess is even with the new argument there is only a 10-20% chance of most people now getting charges back.

http://www.moneysavingexpert.com/news/reclaim/2009/11/bank-charges-qa-door-reopened-for-reclaimers