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Ok, can I please be reassured that Im on the right path re hardship claim?
Hello guys, firstly, this is my first post here :grin:
Ok, so in January, I put a claim in for my bank(Natwest) and my partners (RBS). My claim was for just under £1500. My partners was for £3200.
Of course, the hold had just been put in place, so we were told to wait basically.
Now, Im wanting to go the hardship route.
On Friday, I sent the previous list of charges to the banks again, PLUS a list of the charges since January, when I sent the first letters.
I sent them a copy of our budget that the CCCS (debt helpline) drew up for us, which showed that our income does not cover our outgoings, and we have NO disposable income at all
I also sent a letter, stating that we had a newborn child, a three yr old son, our income does not cover our outgoings, we have mortgage arrears, we have two loans with RBS (£5000 and £7000) which come to £300 a month, so we have had to set up a basic bank account with another bank to stop them taking payments. We have been living off credit cards as we have no disposable income (£2200 with one card, £800 on another) both are max'd out and we cannot make the repayments. We both have £2000 overdrafts which are both over their limits, and we dont have enough for basic bills (bills are constantly being returned).
<sigh>
So, we sent this on Friday to both banks.
What should I expect now? How long do they have to reply? Do they have to? Do we meet the criteria?
Im so angry that were in this state, and there seems no way out.
The bank charges would cover one on the loans, so this seems like a good place to start.
Thanks very much for reading this far!
Ok, can I please be reassured that Im on the right path re hardship claim?
Hello guys, firstly, this is my first post here
Ok, so in January, I put a claim in for my bank(Natwest) and my partners (RBS). My claim was for just under £1500. My partners was for £3200.
Of course, the hold had just been put in place, so we were told to wait basically.
Now, Im wanting to go the hardship route.
On Friday, I sent the previous list of charges to the banks again, PLUS a list of the charges since January, when I sent the first letters.
I sent them a copy of our budget that the CCCS (debt helpline) drew up for us, which showed that our income does not cover our outgoings, and we have NO disposable income at all
I also sent a letter, stating that we had a newborn child, a three yr old son, our income does not cover our outgoings, we have mortgage arrears, we have two loans with RBS (£5000 and £7000) which come to £300 a month, so we have had to set up a basic bank account with another bank to stop them taking payments. We have been living off credit cards as we have no disposable income (£2200 with one card, £800 on another) both are max'd out and we cannot make the repayments. We both have £2000 overdrafts which are both over their limits, and we dont have enough for basic bills (bills are constantly being returned).
<sigh>
So, we sent this on Friday to both banks.
What should I expect now? How long do they have to reply? Do they have to? Do we meet the criteria?
Im so angry that were in this state, and there seems no way out.
The bank charges would cover one on the loans, so this seems like a good place to start.
Thanks very much for reading this far!
Re: Ok, can I please be reassured that Im on the right path re hardship claim?
Originally Posted by flubdub
Hello guys, firstly, this is my first post here :grin:
Ok, so in January, I put a claim in for my bank(Natwest) and my partners (RBS). My claim was for just under £1500. My partners was for £3200.
Of course, the hold had just been put in place, so we were told to wait basically.
Now, Im wanting to go the hardship route.
On Friday, I sent the previous list of charges to the banks again, PLUS a list of the charges since January, when I sent the first letters.
I sent them a copy of our budget that the CCCS (debt helpline) drew up for us, which showed that our income does not cover our outgoings, and we have NO disposable income at all
I also sent a letter, stating that we had a newborn child, a three yr old son, our income does not cover our outgoings, we have mortgage arrears, we have two loans with RBS (£5000 and £7000) which come to £300 a month, so we have had to set up a basic bank account with another bank to stop them taking payments. We have been living off credit cards as we have no disposable income (£2200 with one card, £800 on another) both are max'd out and we cannot make the repayments. We both have £2000 overdrafts which are both over their limits, and we dont have enough for basic bills (bills are constantly being returned).
<sigh>
So, we sent this on Friday to both banks.
What should I expect now? How long do they have to reply? Do they have to? Do we meet the criteria?
Im so angry that were in this state, and there seems no way out.
The bank charges would cover one on the loans, so this seems like a good place to start.
Thanks very much for reading this far!
Hiya Flubdub
I have just had my hardship claim with Abbey agreed. It took just under 4 weeks and Abbey have agreed 65% = £4.3K and this will not prejudice my claim for the future.
The same as you our joint budget sheet showed in minus our outgoings being more than was coming in. We also had a suspended possession order and showed evidences for this. Abbey agreed we were a hardship case and the money should be in the bank by tomorrow. I was gobsmacked when they called me.
Hang in there, I am sure that all banks are looking at at hardship cases fairly. Had you previously had your claim stayed!
Re: Ok, can I please be reassured that Im on the right path re hardship claim?
Hi Tuttsi, thanks for the reply!
What do you mean 'stayed'? Put on hold? Yes
Im glad you got some money, thats very reassuring. In the future, are you able to claim for some of the money they havnt given you? ie, the other 35%?
Re: Ok, can I please be reassured that Im on the right path re hardship claim?
Hi Flubdub
My court case against Abbey was stayed by the courts when the OFT test case started and has remained stayed until after the conclusion of the test case.
The remainer of the 35% of my claim will be paid hopfully at the conclusion of the OFT test case as Abbey have said that this has not prejudiced my claim. So technichally I have had money on account.
Re: Ok, can I please be reassured that Im on the right path re hardship claim?
Did you give them a time in which to respond to you say - 14 days ?. Perhaps a call to the Financial Ombudsman's office would provide more information regarding hardship claims. I understand that courts and banks are supposed to be looking sympathetically at these.
I will see if I can find any links for you on the forum.
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Re: Ok, can I please be reassured that Im on the right path re hardship claim?
Ok, just popping a couple of links here for you to look at. However, if you type "hardship" into the search bar at the top of the forum, it will bring up loads of posts/threads you can read through
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
Re: Ok, can I please be reassured that Im on the right path re hardship claim?
CitizenB - thats great, thank you very much.
I did state on the letter that they have 14 days, and if they wont help, I am going to write to the Ombudsman. Is this the right thing to do?
Am going to take a look at those links now.
Re: Ok, can I please be reassured that Im on the right path re hardship claim?
Originally Posted by flubdub
CitizenB - thats great, thank you very much.
I did state on the letter that they have 14 days, and if they wont help, I am going to write to the Ombudsman. Is this the right thing to do?
Am going to take a look at those links now.
Yep, that is what I would do if they havent responded within the time you have given. I am sure some of the other threads or perhaps on one of the links provided you will get some good advice as to how next to proceed with the Financial Ombudsman.
Thanks for the click
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Ok, can I please be reassured that Im on the right path re hardship claim?
) and my partners (RBS
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Ok, can I please be reassured that Im on the right path re hardship claim?
Originally Posted by flubdub
