Reclaim Unfair Bank Charges article discussion Part II

simon1111

Hi everyone, just had two interesting experiences, i have tried accessing my online account details with both mbna and capital one .Unfortunatley it is that long since i did this previously that i have forgot log in details. i tried to change them but kept getting error messages so had to ring.In the case of parasite one put straight through to collections department who went through the usual harrasement.i was then informed that i would not be allowed to access my details because i am a payment behind same thing with mbna who told me it was a stipulation of the website that if you where in arrears you could not use the online service.
I then somehow remembered the password and log in and on re trying logged on with no problems.So are they allowed to block your access to your information as i cannot remember details for crap one and they wont give me them

Mar.cresham

Hi All

I started my claim around 5 weeks ago as im in hardship. I didnt hear a thing so rang the bank they said manager would ring next day (DIDNT) 3 Days later i got a letter saying they are looking at my case and i will hear by the 7th then this morning a got a letter asking me to ring and book to see them has they want to speak to me WHY??? They have asked me for my income and out goings also but they (DIDNT) send a form. I get DLA and IS thats my only income. The bank take loads of charges out of this and i dont understand why when i have (no) DD IE went bank sat was ment to get 150 they had took over 70 off it went to bank today ment to get 55 they had took 35 again no clue why. So how can i tell them my income when they take over half?


What i need help with is what am i ment to bring to them?

How do i do up income out goings when they take most of it.

Is it not the case when they take over 500 in a year (which they have) your seen has being in hardship?

Someone plz plz help me

cho8925873

I have sent letter to lloydstsb at end of january claiming financial hardship they replied 6.02.2009 .saying sent to collections and someone will look into it . Not heard since , rang this morning have been told to rewrite by indian call center who told me they will pay out if in definate hardship . Is there a 2nd template letter I can send for this can't find one help please not very good at this .

Orford

there is no template as such. Write to them asking them to review your claim. Head the letter:
FSA Waiver Directions: Financial Hardship Claim

See page 11 here:
http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/disp_monthly.pdf

Mention any of the following that apply to you:

Financial hardship
Reduced income/loss of job
Level of priority debt arrears against free income available
Utility arrears such as gas/electricity threat of being cut off
Mortgage arrears
Council Tax arrears
Credit card debts
Repossession
Serious health issues both physically and mentally
Threat of possible suicide
No money for food or rent

You should include an Income & Expenditure sheet See here:
http://www.makesenseofcards.com/soacalc.html

kkzzss

hi everyone, am a bit confused about something and cant seem to find any help on my problem


i would like to claim charges under financial hardship with HSBC

however i have 2 accounts with them, one a current account and the other a savings account

the charges were taken from the current account, however i do have a substantial amount of money in the savings account (£10,000 +) - its not my money per se but anyhow its in my savings account

in my current account i have less than £50

so my questios are;

1. given the status of my accounts can i claim under financial hardship because of the money in my savings account? i.e. will it be dismissed because of the money in my savings account, which i have used now and again.

2. if not, can i take the money out of the savings account and then claim under financial hardship?

3.this may sound like a silly question, but can i do a "normal reclaim" as well as a financial hardship reclaim at the same time?


any help would be appreciated!

kkzzss

hi everyone, am a bit confused about something and cant seem to find any help on my problem


i would like to claim charges under financial hardship with HSBC

however i have 2 accounts with them, one a current account and the other a savings account

the charges were taken from the current account, however i do have a substantial amount of money in the savings account (£10,000 +) - its not my money per se but anyhow its in my savings account

in my current account i have less than £50

so my questios are;

1. given the status of my accounts can i claim under financial hardship because of the money in my savings account? i.e. will it be dismissed because of the money in my savings account, which i have used now and again.

2. if not, can i take the money out of the savings account and then claim under financial hardship?

3.this may sound like a silly question, but can i do a "normal reclaim" as well as a financial hardship reclaim at the same time?


any help would be appreciated!

machomanugget

kkzzss wrote: »

hi everyone, am a bit confused about something and cant seem to find any help on my problem


i would like to claim charges under financial hardship with HSBC

however i have 2 accounts with them, one a current account and the other a savings account

the charges were taken from the current account, however i do have a substantial amount of money in the savings account (£10,000 +) - its not my money per se but anyhow its in my savings account

in my current account i have less than £50

so my questios are;

1. given the status of my accounts can i claim under financial hardship because of the money in my savings account? i.e. will it be dismissed because of the money in my savings account, which i have used now and again.

2. if not, can i take the money out of the savings account and then claim under financial hardship?

3.this may sound like a silly question, but can i do a "normal reclaim" as well as a financial hardship reclaim at the same time?


any help would be appreciated!

Well where do i start... good luck with your claim but can i ask how the hell you think your in financial hardship with 10k in the bank?? i think you might struggle to get anywhere with that..

This is typical of everyone on here no wonder everyone is still getting there money back now with cases like this ? what about all the rest of us watiing years and nothing happening STILL...

Makes my blood boil waiting all this time still with nothing and people claiming like this ? how about the hardship i was in all them months ago when they was taking 150quid a week out my bank from my disability payments with no job ? why is that not taken into account? now i have managed to drag myself out of the mess the bank caused me i have to wait nearly 2 years and still have nothing to show for it?

what a joke this has become...

kkzzss

machomanugget wrote: »

Well where do i start... good luck with your claim but can i ask how the hell you think your in financial hardship with 10k in the bank?? i think you might struggle to get anywhere with that..

This is typical of everyone on here no wonder everyone is still getting there money back now with cases like this ? what about all the rest of us watiing years and nothing happening STILL...

Makes my blood boil waiting all this time still with nothing and people claiming like this ? how about the hardship i was in all them months ago when they was taking 150quid a week out my bank from my disability payments with no job ? why is that not taken into account? now i have managed to drag myself out of the mess the bank caused me i have to wait nearly 2 years and still have nothing to show for it?

what a joke this has become...

as i mentioned, the money is not mine, its in my account but its not actually my own money

the money i do have is in my current account, which is less than £50

i think i am in financial hardship, trust me, i was just asking about this one query, thats all.

Orford

1. As far as the bank is concerned you have £10,000+. If that is financial hardship, your definition is worlds away from mine.

2. You can move the money, but you still won't be in financial hardship. Banks aren't totally stupid

3. You can, but the claim will be rejected under FH grounds so you're left with waiting for the OFT test case to conclude.

machomanugget

Orford wrote: »

1. As far as the bank is concerned you have £10,000+. If that is financial hardship, your definition is worlds away from mine.

2. You can move the money, but you still won't be in financial hardship. Banks aren't totally stupid

3. You can, but the claim will be rejected under FH grounds so you're left with waiting for the OFT test case to conclude.

agreed

thanks