Reclaim Unfair Bank Charges article discussion Part II

pdblom

started trying to get my charges back from the halifax under the financial hardship rule had a letter back saying they are looking in to it, still charging me even now that i am on benefits lost my job in december.last year i paid over 1100 in charges-315pounds in october alone

BMF_2

Hi there,

I already got some cash out of Lloyds about a year back, can I claim again?

Cheers,
B

PoorPennilessMe

Hi.

I've just sent off a claim using the template to Alliance & Leicester, and am claiming hardship (I am unemployed on JSA, cannot meet all my outgoings and am still getting bank charges). I also have a claim against Halifax through Renaissance Easy Claim, who are sending me out a hardship claim form.

I just wondered if anyone had been successful with claiming hardship, and if I'm likely to be looked at given my circumstances?

Thanks

natweststaffmember

PoorPennilessMe wrote: »

Hi.

I've just sent off a claim using the template to Alliance & Leicester, and am claiming hardship (I am unemployed on JSA, cannot meet all my outgoings and am still getting bank charges). I also have a claim against Halifax through Renaissance Easy Claim, who are sending me out a hardship claim form.

I just wondered if anyone had been successful with claiming hardship, and if I'm likely to be looked at given my circumstances?

Thanks

People are successful however A&L are a tough nut to crack and Halifax appear to be getting harder. Be careful with a Claims Management Company that they do not claim fees prior to the COMPLETE conclusion of the claim. A Hardship payout is not a conclusion unless it is 100% of the claim.

natweststaffmember

BMF wrote: »

Hi there,

I already got some cash out of Lloyds about a year back, can I claim again?

Cheers,
B

Yes you can

PoorPennilessMe

Be careful with a Claims Management Company that they do not claim fees prior to the COMPLETE conclusion of the claim.

Thanks for that - I've checked the small print and they only take a percentage cut from the actual payout. However I REALLY wish I'd done it myself now. Was just being lazy I guess...

GenEsiS_2

hi i wounder if being homeless can i claim bank charges back through the financial hardship?
Landlord stoped paying mortgage and ive recived notice of eviction from sheriff office.
Can this help get tham back?

natweststaffmember

GenEsiS wrote: »

hi i wounder if being homeless can i claim bank charges back through the financial difficulties?
Landlord stoped paying mortgage and ive recived notice of eviction from sheriff office.
Can this help get tham back?

Yes 100% and which bank is it with?

GenEsiS_2

Halifax aka BoS :mad: Thay charge me £520 in 4 weeks :T

Dooley

Is this whole reclaiming thing progressing then?

I sent off the letters to lloyds tsb in 2007, got a standard letter back about everything waiting til the court case/investigation or whatever it was. and nothing since.