Report Bank Charges successes and failures

natweststaffmember

scotflyer wrote: »

Wrote a letter to Halifax as per the template letter and mentioned hardship . Halifax refusing to pay out any money for Bank charges . So followed the advise on here and sent them a second letter more detailed and their reply - not budging !
Anyone else having same situation with Halifax !!

How did they reply?
Did you send them an income and expenditure form?

dunova

Recently claimed over £k from the RBS under hardship got a letter back today stating they feel we are not in hardship as there is enough money to cover outgoings, they have obviously missed the constant consolidating and the fact we have had to have pre payment meters for gas & electric put in because of debts dont know whether to pursue this or just give up

Any advice ??

dunova

Sorry that should have been £3k ooops

natweststaffmember

dunova wrote: »

Recently claimed over £k from the RBS under hardship got a letter back today stating they feel we are not in hardship as there is enough money to cover outgoings, they have obviously missed the constant consolidating and the fact we have had to have pre payment meters for gas & electric put in because of debts dont know whether to pursue this or just give up

Any advice ??

Is there sufficient income to cover your outgoings today?
Explain the consolidating bit please

dunova

There is only just enough today to cover the outgoings but over the past few years we have lived off credit cards and then consolidated and now have loans and struggling to pay

natweststaffmember

dunova wrote: »

There is only just enough today to cover the outgoings but over the past few years we have lived off credit cards and then consolidated and now have loans and struggling to pay

Any credit card charges to reclaim?
Is there any room to lower your outgoings?

dunova

I havent looked into the cc charhes but I will no I have cut back everything I can now !

natweststaffmember

dunova wrote: »

I havent looked into the cc charhes but I will no I have cut back everything I can now !

Credit card charges is definitely worth looking at if you haven't already.
Is there anyway of getting a second job to increase you income? (that is what I do currently. 2 jobs, no social life, lol, value stuff and overpay on loans to get rid of them).
Was there any PPI on the loans and were you eligible for all the cover?

dunova

No we didnt take the PPi but thanks for the suggestions do you think I should leave the bank charges claim?

ccqueen

Hi wonder if someone can help me here.

Natwest have made me an offer of £300 which they say represents the overdraft charges for the last 6 months.

My original claim is for £3k which is how much the account is overdrawn by.

I want to write back and say i want it all paid back so they can close my account but can't find a template letter can someone help me please????