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

You might as wll send it to Santa Claus for all the good it does.

http://www.consumeractiongroup.co.uk/forum/bank-charges-finance-industry/190348-itn-news.html

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

Use this address:

Customer Service Response Unit

The Cornerstone

60 South Gyle Crescent

Edinburgh

EH12 9WF

On what basis are you claiming hardship?

Natwest 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.

You might as wll send it to Santa Claus for all the good it does.

http://www.consumeractiongroup.co.uk/forum/bank-charges-finance-industry/190348-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.

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 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!

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 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.

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.

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

You are thinking of something else.

thanks all, posting off tomorrow!

Well i finally received a financial statement for from RBS 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

Well i finally received a financial statement for from RBS 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, council tax, utilities) the bank may not pay out any amount unfortunately.

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.

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.

Fantabulosa news. Pleased for you.

Well done-will amend thread title to suit.

Thanks all.

Please note for anyone else in similar situation, RBS 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 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

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.

Well i received a refund of £76.00 from RBS 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 but still waiting to hear from there re payments department.

Ah so we werent talking of 100s of charges then ....

Freezing the interest is nothing short of what they would have been expected to do had you taken this to the FOS.

Dont think 76 quid is going to break their bank.

Ah so we werent talking of 100s of charges then ....

Freezing the interest is nothing short of what they would have been expected to do had you taken this to the FOS.

Dont think 76 quid is going to break their bank.

£76 freeze interest with the FOS under hardship???

Martin that isn't correct unless you are meaning something else

Yes it is correct.

I have been helping a couple of users with hardship claims.

The FOS consider that the banks are in compliance with banking code guidance for sympathetic treatment if they have taken steps to help.

One such action they deem as compliance within the waiver is freezing interest on arrears or overdrafts on an account.

I have a letter in front of me hear which states this in Black and white.

Is that after they have put a claim through the ombudsman and have got a response?

I was chatting to an ombudsman a few weeks ago on financial hardship and other matters so I wanted to clarify that this was the result of the case rather than simply it went to the FOS and interest was stopped.

The bank informed that the interest was stopped in one case this was right as the investigation moved on.

They do not do it automatically as soon as the complaint goes to the FOS because they know that they have many weeks / months to play with.

Much depends on who you get hold of when you call the FOS-certainly there can be differing responses from a case worker to a senior Adjudicator.

The bank informed that the interest was stopped in one case this was right as the investigation moved on.

They do not do it automatically as soon as the complaint goes to the FOS because they know that they have many weeks / months to play with.

 

Much depends on who you get hold of when you call the FOS-certainly there can be differing responses from a case worker to a senior Adjudicator.

Have you read the thread on the other forum(no names) where I posted timescales/paperwork etc,etc,?

Max timescale on a clean case is 12 weeks once it hits the FOS(I did discuss paperwork re postage rather than necessarily phone call or online form)