Hardship Claim?

natweststaffmember

sandraroffey wrote: »

i pointed those facts out to them and they didnt give a monleys. one particular friend, she had suddenly become a single mum and was paying everying off on her own and they didnt give a monkeys. that was abbey by the way. her income was certainly not sufficient to cover everything - it was a matter of a big juggling act. she was on benefits with two kids.and they didnt give a monkeys.

Did she have priority debt arrears(mortgage/rent, council tax, utilities)? Did she ask the bank and her creditors for help?

natweststaffmember

BOB_A_H wrote: »

natweststaffmember wrote: »

BOB_A_H wrote: »

At the point you reclaimed, were you actually using the account and did you argue your claim based on the income being insufficient as a direct result of the charges going out?
Did you approach your priority creditors for help( for example, utility companies do have hardship funds that can be applied for)?
Did you approach your mortgage company as well?


No, I had stopped using the account about a year ago. I was still working then and my wages were being swallowed up by charges so I opened another account elsewhere for my salary to go into.
Was the hardship claim before or after you were made unemployed?
To be fair, British Gas have not been hassling me at all, so I almost just forget about that.
Have you asked BG about hardship funds(link below)?

http://www.britishgasenergytrust.org.uk/how_can_the_trust_help/index.html

My mortgage company have been prety sound up untill now, but their patience is wearing thin and I have only just managed to get an eviction order delayed for a month or so.
If you bank with another bank why are you not eating into the arrears if the account is no longer incurring charges?
Whether I was to get any kind of refund or not, I would still not be happy with Lloyds. I hate their rhetoric,
I hate their condescending tone and I even hate their TV adverts!

I will keep at the scum fcuks untill such times as the Police class it as harassment and tell me to stop!

Bob, I don't understand why things have not got better in the last 12 months if (a) you are paying nothing into the account, and (b) bank elsewhere.

Please help me to understand your situation. What have they suggested with regards to financial hardship because they do not have to refund even 1p under financial hardship reclaiming even if you are in Financial hardship. If you think they have to, then you are unfortunately, mistaken in that belief.

Premier_2

sandraroffey wrote: »

i pointed those facts out to them and they didnt give a monleys. one particular friend, she had suddenly become a single mum and was paying everying off on her own and they didnt give a monkeys. that was abbey by the way. her income was certainly not sufficient to cover everything - it was a matter of a big juggling act. she was on benefits with two kids.and they didnt give a monkeys.

So did you take up the offer of having the matter reviewed by the FOS?
What did the FOS decide?
If they awarded you a full refund then accept it and the banks will be under an obligation to honour the decision.
If they agreed with the banks decision, then I'm afarid your friends were probably not in the financial difficulty you thought they were, or if they were, that the refund of charges was not the appropriate resolution to the situation in those cases. There is no guarantee to a refund of charges under financial hardship ... only that the bank should treat such cases with sympathy and in a positive manner.

BOB_A_H

natweststaffmember wrote: »

BOB_A_H wrote: »

natweststaffmember wrote: »

Bob, I don't understand why things have not got better in the last 12 months if (a) you are paying nothing into the account, and (b) bank elsewhere.

Please help me to understand your situation. What have they suggested with regards to financial hardship because they do not have to refund even 1p under financial hardship reclaiming even if you are in Financial hardship. If you think they have to, then you are unfortunately, mistaken in that belief.

NWSM, My claim was made after I became unemployed.

I can not eat into my mortgage arrears as I have no income!

Things have not got any better due to the fact there is an overdraft debt on the Lloyds account. They have continued to add charges despite it being obvious there is now no salary being paid in.

My new account is only to get benefit paid into. The benefit
feeds me and thats as far as it stretches.

I do understand that there is no obligation to refund me anything. I was hoping for some humanity to be shown.

Lloyds TSB appear to be utterly ruthless. They are smug and condescending. I hate them with the kind of passion most people can only dream about!

natweststaffmember

BOB_A_H wrote: »

natweststaffmember wrote: »

BOB_A_H wrote: »

NWSM, My claim was made after I became unemployed.

I can not eat into my mortgage arrears as I have no income!
Did you have mortgage repayment protection(mortgage PPI)? Did you claim on that when you became unemployed?
Things have not got any better due to the fact there is an overdraft debt on the Lloyds account. They have continued to add charges despite it being obvious there is now no salary being paid in.

My new account is only to get benefit paid into. The benefit
feeds me and thats as far as it stretches.

I do understand that there is no obligation to refund me anything. I was hoping for some humanity to be shown.
Ermmm, it is a bank so not sure that that would happen. Have a look at the link btw for the gas and electricity though. Furthermore, have you offered them £1.00 a month token payment since you cannot afford to give them anymore than that? If no income is going in they will send the account to debt collection soon.
Lloyds TSB appear to be utterly ruthless. They are smug and condescending. I hate them with the kind of passion most people can only dream about!

They aren't smug but collections people are quite aggressive(i have spoken to our lot when I worked in the bank and sometimes you kinda wanted to bang your head against a wall because of the manner you are spoken to even as a member of staff).
I would offer £1.00 a month on the basis that you cannot afford anymore.

BOB_A_H

natweststaffmember wrote: »

BOB_A_H wrote: »

natweststaffmember wrote: »

They aren't smug but collections people are quite aggressive(i have spoken to our lot when I worked in the bank and sometimes you kinda wanted to bang your head against a wall because of the manner you are spoken to even as a member of staff).
I would offer £1.00 a month on the basis that you cannot afford anymore.

Sadly, I did not have mortgage PPI.

I will check out the utilities links as advised.

I may offer 40 or 50p per month, as that is closer to what I can actually afford! Put one way, Lloyds will be rock bottom on my list of creditors.

I would rather go to jail than " feed " these scum fcuks.

natweststaffmember

BOB_A_H wrote: »

natweststaffmember wrote: »

BOB_A_H wrote: »

natweststaffmember wrote: »

They aren't smug but collections people are quite aggressive(i have spoken to our lot when I worked in the bank and sometimes you kinda wanted to bang your head against a wall because of the manner you are spoken to even as a member of staff).
I would offer £1.00 a month on the basis that you cannot afford anymore.

Sadly, I did not have mortgage PPI.

I will check out the utilities links as advised.

I may offer 40 or 50p per month, as that is closer to what I can actually afford! Put one way, Lloyds will be rock bottom on my list of creditors.

I would rather go to jail than " feed " these scum fcuks.

You wouldn't go to jail cos they are not priority debtors but the bank may take a second charge on your home(worst case scenario) and that will mean both charges having to be repaid on the sale of the house which potentially could occur. If you offer them that amount then make sure you send an income and expenditure form to them with it all so that if they accept then that is one less thing to deal with.

the_insider

Bob, I don't mean to sound patronising but it does seem a little like you are channelling a lot of anger in to this rather than taking advice and asking for help from the banks. Although you have had a response from the Executive Team there is still a lot more that you could do to try and make the situation easier for yourself.
The first thing you should do is contact one of the debt management charities (PayPlan or CCCS) or go to https://www.nationaldebtline.co.uk and get some advice on the best ways to deal with your debts. This will involve completing a financial assessment and making token offers of payment to your creditors. From what I understand of your previous posts (sorry, I have struggled to get the relevant details out of some of your posts) you did not contact the bank when you first started struggling to make payments, you have only recently contacted them and this was to make a claim for bank charges.
I suggest that you start discussing your situation with them. They will be able to stop charges and possibly interest on the account if they are aware of your situation. No-one is sitting in an office at Lloyds looking at your account and going 'oh maybe he's srtuggling financially as he's not paid any money in to the account for a while'. It's up to you to let them know that you need help.
If you still don't think that they've tried to help you once you've helped yourself then go to FOS.

sandraroffey

to natwest staffmember.

sorry. didnt see your post until this morning. dont have the internet at home and can only use it when i am at my daughters.

she had a lot of debts that she was behind with but not the rent, housing benefit paidmost of that. utilities yes, so she had ameter put in and what ever she put on the meters was being eaten up by them taking a lump off to pay the debts.

her claim for charges was over 5k. and even still. now. after something like four years, abbey still havent suplied two years worth of statements that were missing from the initital request. we have asked for them so many times i have lost count. some months, when she was in her relationship, the charges were over 300 a month.

she just gave up. they really and truly, didnt give a monkeys. lost count of the times that forms had to be sent, sent and sent again because, they said, they didnt receive them, even though everything was always sent recorded. took up to 6 months just to so one simple thing. they are realy s***bags.

to premier; no she didnt because by then she had had enough but i wonder if it is worth starting again and bringing the FOS into the frame.

to any who answer this much belated post, i am back off home today so no internet until i get back here in a week. many thanks for all the advice give.xxx

Premier_2

sandraroffey wrote: »

...to premier; no she didnt because by then she had had enough but i wonder if it is worth starting again and bringing the FOS into the frame....

Probably not.

She had the opportunity and failed to take advantage of it. If they don't dimiss the claim as a simple duplication of the previous one, then the FOS will probably dismiss it as it is possible now outside the permitted timeframe. The FOS website indicates there are time limits within which a complaints should be made after you know or should have known.

The fact she has aleady made the complaint means she knew about it ... and the bank would have advised her about the right she had to take the claim to the FOS (so she can't claim she didn't know about that)

It may be worthwhile trying to reclaim any later charges not included in the original complaint (if there are any)