Hardship cases?

shayshay

Now that the courts have ruled in favour of the banks, does this mean that if I were to submit a hardship case now that I would be wasting my time or are hardship cases still heard due to the fact they are indeed hardship?

Premier_2

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 the rule which allowed those in hardship to have their case heard while everyone else was on hold is now irrelevant.

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 the How To Complain To The Ombudsman guide). Though if it's about bank charges specifically, it's best to follow the information below.
We have already heard of cases SINCE the Supreme Court ruling in November 2009 of people in hardship getting money back.

http://www.moneysavingexpert.com/reclaim/bank-charges

natweststaffmember

shayshay wrote: »

Now that the courts have ruled in favour of the banks, does this mean that if I were to submit a hardship case now that I would be wasting my time or are hardship cases still heard due to the fact they are indeed hardship?

Banks have to look at any case on financial hardship sympathetically under BCOBS which replaced The Banking Code and the lending code section 9. However, there is also a certain amount of onus on you to contact your creditors and to seek help as well, ie mortgage provider who may be able to suggest things that may help, utility providers have hardship funds which you may or may not be eligible for to help with the cost.