Seriously ill husband - Hardship claim?

Natalie6999

My husband is at present in hospital seriously ill with a Multiple Sclerocis relapse, which has left him unable to walk or care for himself & I may have to give up work to care for him when he eventually comes home.

I am suffering increased household costs due to him being in hospital,
ie petrol, parking, laundry, childcare etc & will soon have used up my compassionate leave at work, going down to reduced pay as I am having to learn how to care for him & care for our young son.

Since he was diagnosed in 2003 I have incurred over £3000 of bank charges, do you think I now have a stronger case to claim hardship?

I first tried in 2007 but was told I was too well off despite our only income being my part time wages & benefits & our joint income reducing from £38000 to around £14000.

jd87

You should definitely give it a go. The bank might still say you are too well off, but it's not for the bank to decide, the ombudsman has the final say. The ombudsman criteria are all explained here: http://www.moneysavingexpert.com/reclaim/bank-charges#reclaim.

From what you have said so far it sounds like you should be eligible.

natweststaffmember

Natalie6999 wrote: »

My husband is at present in hospital seriously ill with a Multiple Sclerocis relapse, which has left him unable to walk or care for himself & I may have to give up work to care for him when he eventually comes home.

I am suffering increased household costs due to him being in hospital,
ie petrol, parking, laundry, childcare etc & will soon have used up my compassionate leave at work, going down to reduced pay as I am having to learn how to care for him & care for our young son.

Since he was diagnosed in 2003 I have incurred over £3000 of bank charges, do you think I now have a stronger case to claim hardship?

I first tried in 2007 but was told I was too well off despite our only income being my part time wages & benefits & our joint income reducing from £38000 to around £14000.

Please read my signature page 20 which is the criteria that should be used. Your first thing you need to do is to contact the bank and your creditors with regards to this situation so that they can help you to begin with.

marshallka

Natalie6999 wrote: »

My husband is at present in hospital seriously ill with a Multiple Sclerocis relapse, which has left him unable to walk or care for himself & I may have to give up work to care for him when he eventually comes home.

I am suffering increased household costs due to him being in hospital,
ie petrol, parking, laundry, childcare etc & will soon have used up my compassionate leave at work, going down to reduced pay as I am having to learn how to care for him & care for our young son.

Since he was diagnosed in 2003 I have incurred over £3000 of bank charges, do you think I now have a stronger case to claim hardship?

I first tried in 2007 but was told I was too well off despite our only income being my part time wages & benefits & our joint income reducing from £38000 to around £14000.

Blimey Natalie, I sincerely hope that you are put top of the list. You are facing hardship just the same as "some" on here (if not worse in my eyes) that i know get through the system with the Ombudsman.

Quiet_Life

Contact your local branch of the MS Society regarding avenues of help etc. for when he comes out of hospital. The society usually has someone well versed in benefits etc. as there may be more you are entitled to.

Don't loose hope he may improve with time