Letter received from HSBC service quality team.

Namechanger

After getting a similar letter to several people on here in Decemeber about "it is over and if you do not respond within 8 weeks your case will be closed", I sent an email off to HSBC telling them how much hardship I was in(I had already received 2 payments under hardship in September and November) and how I might be missing loan repayments with them in the near future if they did not refund me some more charges.

I have received a letter from them today asking me to fill in an income + expenditure form :rolleyes: to verify I am in hardship ,when I have obviously done this months ago. The letter also says "Subject to that verification we will explore with you what we may be able to do to assist. This will include considering whether some or all of any current debt could be rescheduled or whether alternative borrowing arrangements could be put in place. The fact that you have incurred overdraft charges and are claiming a refund of those charges will form part of our overall assessment of your circumstances(as will all other relevant factors) but our focus will be on considering what we may be able to do to assist, not solely considering refunding charges as you have requested."

I have emailed them to say they already have my income and expenditure details.
Am I wasting my time ? Is this now a lost cause?

natweststaffmember

Namechanger wrote: »

After getting a similar letter to several people on here in Decemeber about "it is over and if you do not respond within 8 weeks your case will be closed", I sent an email off to HSBC telling them how much hardship I was in(I had already received 2 payments under hardship in September and November) and how I might be missing loan repayments with them in the near future if they did not refund me some more charges.

I have received a letter from them today asking me to fill in an income + expenditure form :rolleyes: to verify I am in hardship ,when I have obviously done this months ago. The letter also says "Subject to that verification we will explore with you what we may be able to do to assist. This will include considering whether some or all of any current debt could be rescheduled or whether alternative borrowing arrangements could be put in place. The fact that you have incurred overdraft charges and are claiming a refund of those charges will form part of our overall assessment of your circumstances(as will all other relevant factors) but our focus will be on considering what we may be able to do to assist, not solely considering refunding charges as you have requested."

I have emailed them to say they already have my income and expenditure details.
Am I wasting my time ? Is this now a lost cause?

Are you saying that your spending has remained absolutely static over the last few months since you last submitted an income and expenditure form?
Banks still have to look at cases of financial hardship which is in BCOBS(former banking code) and the Lending code section 9.
Failing to complete an income and expenditure means they will have to do absolutely nothing.