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Are Rbos Allowed To Ask For Further Info If A Hardship Claim???
Hi I recently applied for my charges back due to hardship (the charges are over £500 in the last year, I have had to take money from credit cards at high rates, I am a full time student with a low income and I regularly go oer my overdraft).
The RBOS got back to me wanting me to fill out about 3 pages of very detailed income and expenditure. My account is with them and most of the information is on my statements anyway. I supplied copies of credit card statements and my University confirmation letter as evidence in the original letter.
My question is do I have to supply this information also or are they just stalling? Surely just the charges being over £500 is enough info that they need??
They also said they can force me to cancel unnecessary outgoings. I have recently changed my gas/elec supplier and changed house insurance to save money. I also reduced my virgin package to the minimal one. Can they force me to cancel my mobile phone and life policies??
Any help appreciated.
RBS
13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL
Cheltenham & Gloucester (ERC's)
21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!
Re: Are Rbos Allowed To Ask For Further Info If A Hardship Claim???
Originally Posted by alisonmcmorrin
Hi I recently applied for my charges back due to hardship (the charges are over £500 in the last year, I have had to take money from credit cards at high rates, I am a full time student with a low income and I regularly go oer my overdraft).
The RBOS got back to me wanting me to fill out about 3 pages of very detailed income and expenditure. My account is with them and most of the information is on my statements anyway. I supplied copies of credit card statements and my University confirmation letter as evidence in the original letter.
My question is do I have to supply this information also or are they just stalling? Surely just the charges being over £500 is enough info that they need??
They also said they can force me to cancel unnecessary outgoings. I have recently changed my gas/elec supplier and changed house insurance to save money. I also reduced my virgin package to the minimal one. Can they force me to cancel my mobile phone and life policies??
Any help appreciated.
Not a chance.
They cannot force you to cancel anything. They owe you money.
Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.
Re: Are Rbos Allowed To Ask For Further Info If A Hardship Claim???
Dont suppose they put this in writing to you ?
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Are Rbos Allowed To Ask For Further Info If A Hardship Claim???
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Originally Posted by alisonmcmorrin
