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I've heard that the courts will still hear cases requesting repayment of bank charges if the person claiming is going through a time of financial hardship.
I definitely fit this criteria and wondered how to go about reclaiming the charges using this as a reason for the courts to hear my case.
I have already successfully reclaimed unfair charges on one account a few weeks before the OFT took the banks to the high court, and so already have all the information I need regarding the charges etc.
what I need to know is
a) is it still the case that I can still reclaim these unfair bank charges if I am going through a time of financial hardship?
and if so,
b) how and at what point do I mention the financial hardship I am going through?
i.e. do I mention it on my first or second letter to the bank? how should I word it? and at what point in the letter do I put it in.
c) what type of evidence of financial hardship should I gather to support my claim? and at what point ahould I present it?
IMHO it would be virtually impossible for a Judge to risk hearing a case at the moment with the OFT case being half way through ... even the cases to have a stay lifted on the grounds of hardship have not been successful As i first stated this is just my opinion others might think differently.
My court ordered judgment on my claim, to which the bank successfully applied for judgment to be set aside. I had previously written to the court about my financial hardship. So it seems the courts aren't necessarily considering financial hardship. Although i may keep trying!!
providing evidence of financial hardship
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As i first stated this is just my opinion others might think differently. 
