rizel123/Hardship claim ****WON****

**rizel23** · 20th March 2009 18:20

as the above, having to put in a claim for Hardship status! thanks

**BankFodder** · 20th March 2009 18:35

You might as wll send it to Santa Claus for all the good it does.
http://www.consumeractiongroup.co.uk...-itn-news.html

However, no harm in trying. I suggest that you send it to the customer services centre of your bank.

**peanutbuttercup** · 20th March 2009 23:01

Use this address:

Customer Service Response Unit
The Cornerstone
60 South Gyle Crescent
Edinburgh
EH12 9WF

On what basis are you claiming hardship?

Natwest icon

will send you a Common financial statement (income/expenditure form) to complete and return with evidences of arrears / debts. They should do that within 5 days of receiving your request.

**jansus** · 20th March 2009 23:31

Originally Posted by BankFodder

You might as wll send it to Santa Claus for all the good it does.
http://www.consumeractiongroup.co.uk...-itn-news.html

However, no harm in trying. I suggest that you send it to the customer services centre of your bank.

I agree it is hard work, but there is evidence of some very recent successes in claiming under hardship waiver guidelines so I think there should be a more positive attitude.There are even more people now that need help and encouragement from sites such as this. Not a defeatist attitude.

IMO of course.

**rizel23** · 21st March 2009 11:01

thanks, i was ill last year, split up with ex partner and lost job, currently on JSA and finally getting sorted out again, but have debts of around 6k on £242 a month including RBS icon

overdraft

of 2K in which they keep chareging me £38 in fees for direct debits i could not pay this month, so i think i might have a case, hopefully.

P.S I have done the letter and expenditure form found on ere, made us a bit sick doing it actually, but no choice at the moment, need to get sorted but chargeing me £38 for a failed DD when your on £61 a week to survive is a joke really!

**yourbank** · 21st March 2009 11:12

Originally Posted by rizel23

thanks, i was ill last year, split up with ex partner and lost job, currently on JSA and finally getting sorted out again, but have debts of around 6k on £242 a month including RBS icon

overdraft

of 2K in which they keep chareging me £38 in fees for direct debits i could not pay this month, so i think i might have a case, hopefully.

P.S I have done the letter and expenditure form found on ere, made us a bit sick doing it actually, but no choice at the moment, need to get sorted but chargeing me £38 for a failed DD when your on £61 a week to survive is a joke really!

I kinda agree with you, take half your weekly allowance and expect you to survive. THe next stage is to send it to the bank(unfortunately they will send out an income and expenditure form even though you have done that). The main thing they do look at is "priority debts" so if or rather when they do then make sure you include as much evidence that you have to the bank. If you have more questions then repost here.

**jansus** · 21st March 2009 13:48

Good luck sounds like you have a case. And even if they say no first time keep pushing - keep it polite and to the point and hopefully you should get some sort of help.

**Martynandemma** · 26th March 2009 10:40

i thought banks were not allowed to take your benefits for their charges if you are unemployed or am i thinking of something else

**yourbank** · 26th March 2009 11:33

You are thinking of something else.

**rizel23** · 26th March 2009 18:51

thanks all, posting off tomorrow!

**rizel23** · 8th May 2009 11:07

Well i finally received a financial statement for from RBS icon

and completed it and returned and today i have had a letter requesting the following;

*Documentary evidence of total household income, including any benifits
*Documentary evidence of outstanding balances on credit card/store cards and any payment arrangements made.

I have no problem or issue with this, except i live with my parents at the moment and they won't want to show me there household income as there of no financial link to me, so i presume i just send them my total income and outstanding debts? Thanks

**yourbank** · 8th May 2009 14:57

Originally Posted by rizel23

Well i finally received a financial statement for from RBS icon

and completed it and returned and today i have had a letter requesting the following;

*Documentary evidence of total household income, including any benifits
*Documentary evidence of outstanding balances on credit card/store cards and any payment arrangements made.

I have no problem or issue with this, except i live with my parents at the moment and they won't want to show me there household income as there of no financial link to me, so i presume i just send them my total income and outstanding debts? Thanks

Unfortunately, it is household income and that means anyone living in the same house. Unless you have priority debt arrears(rent/mortgage icon

, council tax, utilities) the bank may not pay out any amount unfortunately.

**rizel23** · 5th June 2009 11:41

thanks all to who offered help.

I forwarded them all my debts (credit cards) and a document showing amount of benefits and today i received a letter confirming hardship accepted and a refund of all charges to date.

**jansus** · 5th June 2009 14:55

Well done ! Really pleased for you. Hope it helps your situation and encourages others who are in the same position as you to keep trying.

Every little helps as they say.

**yourbank** · 5th June 2009 15:01

Fantabulosa news. Pleased for you.

**MARTIN3030** · 5th June 2009 15:19

Well done-will amend thread title to suit.

**rizel23** · 5th June 2009 17:00

Thanks all.

Please note for anyone else in similar situation, RBS icon

requested income for household, but my family did not want this disclosed to me (or the bank) so i just sent them proof of my income and it seem to be efficient enough for them to award the claim.

They have also suspended interest icon

on the balance outstanding and shall hopefully come to a repayment program, the balance after the refund of charges i EST at £1860.00 I'm currently on JSA till i get employment, can anyone advise on a sensible monthly payment to offer them? Obviously i can't afford much at the moment! lol

**supasnooper** · 6th June 2009 08:41

Congratulations and well done.

Offer them what you can afford. If £1.00 is all you can afford, then offer £1.00. Your JSA is a benefit that you need to live on, it isn't a repayment fund for RBS icon

.

**rizel23** · 26th June 2009 16:55

Well i received a refund of £76.00 from RBS icon

to be applied to my account for 2 failed DD's, they gave me the option to decline the offer and wait for the court test hearings but i only really had a couple of other £10 charges so i just accepted.

They have frozen interest icon

but still waiting to hear from there re payments department.

**MARTIN3030** · 27th June 2009 16:00

Ah so we werent talking of 100s of charges then ....
Freezing the interest icon

is nothing short of what they would have been expected to do had you taken this to the fos icon

.
Dont think 76 quid is going to break their bank.

Thread: rizel123/Hardship claim WON

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