Thread: part way through claiming bank charges

I got part way through claiming the bank charges, for a total of 556 then the test case happened and i got scuppered. <- july 07

however i kept getting charges, my pay cycle is four weekly which makes it seriously tough to keep an account in order.

so fast forward to July 09 and i decide enough is enough, im sick of being skint every month, A&L are putting charges in the day before i get paid so im getting stung month on month.
I requested my statements and moved my salary to a Barclays account so A&L couldn't screw me over anymore.

I havent been able to access the account online for the last three months, thats a pretty dirty tactic in my book.

I'm about to write the financial hardship letter and retotal the charges up, I'll drop a reply back into this thread when i've done that.

if anyone who reads this has experience of writing a hardship letter to A&L then I'd appreciate them reading mine when I've written it.

thanks

Here is the standard one from this site

Notice of Consideration for Hardship Status
Claim reference Number xxxxxxxxx
Account number xxxxxxxxxx

Please find attached a detailed summary of my financial standing, as evidence in support of my claim/request, be treated sympathetically and speedily in view of hardship.
In making this request, I remind you of your duty to comply with conditions agreed in the waiver of July 2007 and continuation of July 2008 between yourselves and the FSA.

I look forward to acknowledgment of this, with an undertaking that you will proceed to process it, as per the requirements of the terms agreed within the waiver.

Yours Faithfully

xxxxxxxxxxxxx

Enc; Financial Statement.

Data protection act 1998.

I give my permission for you to process/use data related to me, in the course of processing my claim/inquiry to a satisfactory conclusion.

Signed xxxxxxxxxxxx Name xxxxxxxxxxxxx

Date xx/xx/xx

......................... ......................... ......................... ......................... ..

Spreadsheet for income and expenditure :-



Thank you to Mr Lex and MARTIN3030 for creating this template

Attachments:FileDescripti onFile sizeHardship spreadsheet 30 KbHardship spreadsheet 30 Kbspreadsheet 38 Kb

thanks for the replies.

@bankfodder - point taken. really want this sorted, sick of waiting for the waiver to end, its been nearly 2.5 years now. i might be employed, but when they take 20% of what i earn every month its pretty hard to see how you're ever meant to get out of it. will send it as an update though.