Bit of a tricky one...

EmDubs

Ok...

I have a few single Natwest accounts and one joint current account with my Husband.

I am not working and have not been for a while and have been living at the top end of my overdraft in my single current account, however, my Husband works and his wages get paid into our joint account.

I have been chatting to a few friends and the conversation of reclaiming bank charges came up. I was told I could do this and look to set up a Hardship claim to stop the interest as well as a nasty black mark against my name.

Could I do this bearing in mind the joint account is in regular use?

If I explain the situation would they look at my single accounts only?

Crikey I have no idea!

the_insider

They would ask you to complete a financial statement declaring your household income and expenditure. If you're thinking of setting up a 'hardship claim' then you're probably not in hardship. Can some of your husband's wage go toward clearing your overdraft? Stop using the account, treat it as a debt and pay something toward it each month.

Premier_2

Have you read the MSE guide to reclaiming bank charges?

If you wish to try and pursue a claim based on financial hardship, (the only real hint of getting any refund, and then there is no guarantee) I would also suggest you read the sticky thread on financial hardship online resources.

One of the key factors when considering financial hardship is the total household income, and not just an individual's. With your husband working, and you having not worked for a while, I don't think you'd qualify, but take a look for yourself