Natwest hardship claim 2nd rejection Help

sarah7610

I have been trying to claim my bank charges from natwest under the hardship rule. I had the letter saying I didn't fall within their criteria so wrote back using the template letter on here and also included my financial statement and creditor list which was done by CCCS.

I have had a letter today saying that I still don't fit into their criteria as I over spend on tobacco and therefore is out of the Common Financial Statement guidlines and therefore have sufficient income to meet my existing commitments.
This is a lie.........CCCS advise you on these guidelines when you fill in your income and expenditure and I know I am within them.

I have written to all my creditors and one by one they are agreeing to my £1 a month payment. They have all had the exact same financial statement as the one I sent to Natwest so what makes them any different to my creditors. How can they say I am out of the Common Financial Statement guidlines when quite clearly my creditors don't seem to think I am???

I am so fed up with this Bank I could scream :mad::mad::mad::mad::mad::mad::mad:

natweststaffmember

sarah7610 wrote: »

I have been trying to claim my bank charges from natwest under the hardship rule. I had the letter saying I didn't fall within their criteria so wrote back using the template letter on here and also included my financial statement and creditor list which was done by CCCS.

I have had a letter today saying that I still don't fit into their criteria as I over spend on tobacco and therefore is out of the Common Financial Statement guidlines and therefore have sufficient income to meet my existing commitments.
This is a lie.........CCCS advise you on these guidelines when you fill in your income and expenditure and I know I am within them.

I have written to all my creditors and one by one they are agreeing to my £1 a month payment. They have all had the exact same financial statement as the one I sent to Natwest so what makes them any different to my creditors. How can they say I am out of the Common Financial Statement guidlines when quite clearly my creditors don't seem to think I am???

I am so fed up with this Bank I could scream :mad::mad::mad::mad::mad::mad::mad:

Do you have priority debt arrears(mortgage/rent, council tax, utilities)?

Have a read of my signature page 20 which is the criteria that they should use.

Premier_2

<tin hat firmly in position >

Within the guidelines or not, don't you think you should consider cutting down or better still quitting smoking altogether if you are in financial hardship? Blowing the little money you do have up in smoke isn't doing you any favours either financially or medically. Your doctor will help you stop or cut down if needed.

Otherwise, if you don't want to stop or at least cut down, and you don't agree with the bank's opinion that you don't qualify under financial hardship rules, all you can do is appeal to the ombudsman and see if that gets you any further.

sarah7610

I have mortgage arrears, (half of a monthly payment) which I am paying off each month on my normal monthly payment. I have told them all this but they don't want to budge. Our financial situation has got worse since I started all this as all my DD's have been returned which include my utility bills.

As for the comment from the non-smoker..............We don't drink, go out or buy clothes etc. We don't have holidays or trips out and haven't for a few years. The only time we do go out and socialise is when we go to work. If it was that easy to give up smoking I would have done it by now. We spend £2.56 a day on tobacco between the two of us.........That's £71.68 a month which is well within the Common Financial Statement guidelines.

LeeSouthEast

£860 a year that could be yours rather than the tobacco firm's.

And that's from a fellow smoker, who will be quitting before his birthday this year.

Premier_2

LeeSouthEast wrote: »

£860 a year that could be yours rather than the tobacco firm's.

And that's from a fellow smoker, who will be quitting before his birthday this year.

Or almost £935 per year

(unless there's 29 days a year they don't smoke)

That could buy a nice fortnights holiday for 2 in the sun, some nice clothes, a few drinks if desired and probably enough left over for nice day out somewhere.

sarah7610

Well.....That's all very clever of you to work that out on your calculators but that still doesn't answer the actual question I posted now does it? If I wanted a discussion about my smoking habits I'm sure I would have mentioned that in my original post.............Mmmm, lets see now......No, don't remember asking.

LeeSouthEast

Tetchy much?

You're happy to pay creditors a pound each, yet give a tobacco firm nearer £80?

If I was one of your creditors, I'd be pretty cheesed off, too.

I have nothing of use to add to your original point.

sarah7610

Not "Tetchy" at all, just making a point......I ask a question and end up with advice on giving up smoking.
If I'd have said we went for a drink down the pub twice a week I bet I wouldn't have got a lecture on drinking or went to the gym twice a week, got a lecture on membership fees?
There are so many "luxuries" in this life but only one that gets this kind of response.

LeeSouthEast

Not at all. Personally I'd have given you the 'lecture' for any luxury, not just smoking.

I don't mean to dig, which is how it was taken. Merely making a point that actually it's a lot of money! I'll shut up now.

sarah7610

Ha ha.....Point taken. It is a lot of money and we are trying to cut it down to nothing. We used to spend over £250 a month which was ridiculous. When we realised how much we were spending we decided enough was enough. We are on our way to giving up but when you've got creditors after you for money the odd fag comes in very handy for the stress levels. If I drunk alcohol I'm sure I would have the odd drink aswell but I don't. Imagine the telling off I'd get on here for smoking AND drinking.......ha ha!