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mikeyry wrote: »
Does anybody know which Natwest address i should send my hardship letter? thanks
emwil14 wrote: »
amount requested: £900
amount repaid: waiting for the offer
as the last person stated, i am also in shock!!!! i first applied for my charges about 18 months ago. i used the template letters and waited patiently. around a year ago i tried to get the charges back by going down the hardship route and was knocked back even though i have numerous debts and a notice seeking possession.
after the courts decision i recieved a letter saying they would not be refunding charges as they thought the amount charged was fair and the court upheld this. at the bottom of the letter it said i had so long to get back in touch otherwise my case would be dropped??!! i immediatly realised there must be something i could do if it was not dropped already!
i sat down and wrote a letter back. the main point of the letter was that the natwest are saying they think it was fair to charge £35/£38 for unauthorized overdraft usage but have now dropped this fee to £5!!!!!!!!! why lower the charge if its fair?? big mistake! i put in the letter that obviously there needs to be a charge and £5 is quite reasonable, so i will gladly accept a refund of the difference between the £5 and the £35/£38 if they are not willing to pay back the full amount.
i recieved a form to fill in about my financial situation which i completed and sent back. on saturday i recieved another letter saying that a refund of charges has been agreed and they will send me an offer in the next 21 days!!!!
i really can not believe it and had nearly given up hope. thankyou to martin and the team for all your help. fingers crossed its a good offer. x x
flapjack83 wrote: »
i was going to roll over and let the banks screw me but thanks to you guys on this thread i'm rareing for battle. tally ho!
emwil14 wrote: »
i am actually shaking! i cant believe it! i initially asked for just under £900 to be refunded and recieved an offer of £1109 this morning!!! i honestly never thought i would get to this day. i am so glad i carried on fighting for what was right. i really hope my case inspires you all to keep going and not to give up.
thank you to martin and the team and all of you on the forums who i have gained insight and information from throughout this lengthy process.
i hope you all have a good outcome with your cases.
em x x x.
chants1981 wrote: »
ABSOLUTELY brilliant honey. Im glad there is still hope for everyone out there! The drink are on you then?? LOL
Well done you!:T
daveprince37 wrote: »
Started Claim - July 2008
Original amount claimed for - £3111.50
Bank - HSBC
As I claim during the FSE waiver - I was told that my case would be put on hold... fair enough...
As they kept extending the waiver and the Financial Hardship was brought in... I claimed FH - (correctly, as it was a vicious circle)
then in September 2009 they offered £408 to cover the charges over the last 3 months...
I accepted these on the understanding that it was not in full and that I will also continue my claim with the Finanial Ombudsman... also during this time I put in another claim for the charges since July 08 which came to £800 minus the £408 they paid back.
After the ruling they wrote back to confirm that they feel that the charges were fair etc and if nothing within 8 weeks closed... blah blah...
So I sent another letter off explaining that it is in their interest to prove that they were fair and consistent!
Then Martin gave us new template - I have sent the one off to the Financial Ombudsman and another to the bank... - the Ombudsman have replied stating high volume and my case will be seen soon... and the bank are standing their ground and saying No...
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