Proposed Group Litigation Orders (Interested Parties)

[AA99]

Originally Posted by AA99

Nationwide Flex Account £4,500, on Income Support & Disability Living Allowance

I have messed up my spreadsheet with 6 years charges on so am delayed, spending all day with other Creditors and DCA's! In addition to the above we qualify for all the Financial Hardship terms to repay bank fees and for free court fees.

[campari2]

Tom Brennan - YES definitely. Followed your own case with much interest. We ARE in financial difficulty but HSBC BANK refuse to acknowledge. Formal claim made for charges and then put on file by them. Charges continue to rack up and all has been rolled up into a managed loan which we refute and are not paying. We have just used welfare rights on a limited something or other to stop repossession of our house but the lender got suspended order anyway. So this must indicate our financial position but HSBC dont think so. expecting litigation from them in the future.

[NaciravBanks]

If its not to late. NatWest, 2k+ + interest, the case has been stayed at court for what feels like an eternity ... If it is to late, good luck with the effort guys! The banking system stinks!

[determindator]

Interested Nationwide claim

[TUTTSI]

Originally Posted by AA99

I have messed up my spreadsheet with 6 years charges on so am delayed, spending all day with other Creditors and DCA's! In addition to the above we qualify for all the Financial Hardship terms to repay bank fees and for free court fees.

Hi AA

Have you started your hardship claim?

Do you need any help?

Tuttsi

[AA99]

Originally Posted by TUTTSI

Hi AA

Have you started your hardship claim?

Do you need any help?

Tuttsi

Not yet, still waiting for my spreadsheet to be revised from basic charges & 8%, to full claim per Why let your bank keep your money? Calculating your charges claim

I have someone assisting me with it but he seems to be a busy man!

[TUTTSI]

Originally Posted by AA99

Not yet, still waiting for my spreadsheet to be revised from basic charges & 8%, to full claim per Why let your bank keep your money? Calculating your charges claim

I have someone assisting me with it but he seems to be a busy man!

AA,
If you are seriously suffering hardship you need to make your claim quickly
What you can do in the meantime is just list your charges and dates and state on it + interest. Normally they do not pay the interest on hardship and they may only pay a percentage.

Then you need to get together all your evidences to confirm your hardship under the FSA waiver rules. I mean by evidences confirmation from your mortgage/landlord that you are in arrears, repossession or suspended repossession order, arrears on utilities and or any court claims.

You will also need to write a letter stating why you fall under the FSA waiver rules. ie Lost job, illness etc..... and enclose your evidential documentation.

Sen it all ASAP to your bank for concideration.

The FSA waiver is due to expire shortly, so I think if you are really in hardship the sooner you act the better.

I am away for a few days but will look in on my return to help you.

Tuttsi xx

[AA99]

Thanks Tuttsi! I was advised to not panic as it'll be late autumn when things are decided, if then We do qualify for ALL the FSA Hardship waivers. I was about to send it off when I got side-tracked with the Claiming Back (?) thread!

[mailmannz]

Tom,

Am I too late to join in the fun?

Currently have £1000+ outstanding with HSBC (which I have lodged claims for).

I dont meet the first criteria but meet the second for legal aid (salary just over the limit).

Regards

Mailman

[toasted]

does anyone of a case thats been successful in removing a default registered as a consequence of alleged debt made up entirely of bank charges? Could this be a subject for a GLO?

Would be interested to hear from anyone with the same problem.

[TUTTSI]

Originally Posted by AA99

Thanks Tuttsi! I was advised to not panic as it'll be late autumn when things are decided, if then We do qualify for ALL the FSA Hardship waivers. I was about to send it off when I got side-tracked with the Claiming Back (?) thread!

AA, please give me the link to your hardship claim thread so that I can give you the help that you need.

Tuttsi

[lenny100]

recived the first part of my data request from my bank today and amongst the forest of paper is a print out of my hardship request back in 2007 giving my complaint ref and converming its a harship request but its states simply its been put on hold pending test case decision
the reason for the decision to be rejected is given as "huntswood-andovercsr-initial responce letter sent-gogw no -ld"

[citizenB]

Originally Posted by lenny100

recived the first part of my data request from my bank today and amongst the forest of paper is a print out of my hardship request back in 2007 giving my complaint ref and converming its a harship request but its states simply its been put on hold pending test case decision
the reason for the decision to be rejected is given as

"huntswood-andovercsr-initial responce letter sent-gogw no -ld"

You could write and ask them to explain exactly what they mean by that.

[TUTTSI]

Originally Posted by lenny100

recived the first part of my data request from my bank today and amongst the forest of paper is a print out of my hardship request back in 2007 giving my complaint ref and converming its a harship request but its states simply its been put on hold pending test case decision
the reason for the decision to be rejected is given as "huntswood-andovercsr-initial responce letter sent-gogw no -ld"

Lenny

When you wrote to them did you make them fully aware of your hardship by sending them evidences of your hardship underthe FSA waiver rules?

1. You need to send them actual proof of eveidences that you are suffering hardship Mortgage/Rent/utilities arrears.

2.Any other evidences to support your claim.

2. An income and expenses summary.

3. You also need to send a letter identifying why you are in hardship - what caused it ie loss of job, illness etc..

Do you have your own thread, if you do can you give us a link.

Also advise which bank, that would also be very helpfull.

We can try and help you more once you give us more info and possibly post up the letter you received, blanking out your personal details.

Thanks
Tuttsi

[AA99]

Originally Posted by TUTTSI

AA, please give me the link to your hardship claim thread so that I can give you the help that you need.

Tuttsi

AA99 v Nationwide

[lenny100]

don't know if this thread is still relevant but i have now received my new data and my claim is now worth over £9,000 without interest as i am getting charges every month now because of charges on my account and am ready to do anything necessary to help other members of this site