It's almost a waste of time going through this charade with Natwest because no matter how 'textbook' a hardship case is they will just say you're not and provide no evidence to back-up their decision. However if you want a fighting chance I would suggest sending them your income/expenditure list plus any other evidence you may find. I would also suggest downloading the FOS

Thank you Tuttsi, I spoke to Abbey and they said exactly what you did and are forwarding me a check. They told me what the amount represented and that's no problem either. I did have a look through Tom Brennan's GLO but i got the feeling he was looking for people who are entitled to legal aid which i am most definately not. I'll be there in spirit though, Woodwa5

Oh and the loan was taken out in 2004 i think

Thanks Suzie, I think you are right. wHAT i WILL DO HOWEVER IS PLAY THE WAITING GAME FOR A WHILE. tHEY HAVE NOT TRIED TO CONTACT ME FOR SEVERAL MONTHS NOW AND when they do I will hit them with an S.A.R and a CCA request and report them to the OFT and trading standards re them contacting my employers

Well i got a letter from a peter saunders who is a senior customer rsolutions manager. They have agreed to pay me £2133.85 which is a little over 25% of what they owe me. I would love to know how they calculate how much they will give you. I am now trying to get hold of him to find out how i will get the money. I am worried they are going to try and put it in my abbey account. This is now dead and with a DCA and nobody at Abbey can get access. Even having paid abbey what i owe them most of this money will still be available so i am worried i won't get access.

my employers are very good and will not allow them to do that. I will do as you ahve suggested and have asked my employer for the original faxes, thanks for your reply

Long storey short I had my house repossessed by Kensington nearly three years ago. Since then I have been paying back £250 per month on a shortfall of about £28k. I still owe £28k as all I appear to have been doing is paying the interest which has made me extremely angry. My issue is this. When they reposessed the house they charged me about £18k for an early remption clause, they also charged me a shed-load of charges. How can they charge me an ERC when I didn't voluntarily come out of the mortgage. My suspicions have been raised further by the fact that they took the ERC and all the various charges out of the money raised by the house sale so all that was left was capital to be paid. Is this right? Can they do this? I would appreciate somebody with experiance to look at this for me, Kind regards, Woodwa5

I took out a secured loan with Welcome several years ago and since then my house has been reposessed. Welcome haven't really been hassling me until September when one of their oiks turned up on my doorstep saying they have been trying to get in touch with me. I asked him how and they didn't have an answer (in other words it was a lie, shock!). Today I have found out from my employer that in September they sent through to ascertain as to whether i am still employed by them. They asked welcome for my authorisation to give that information out and Welcome never contacted them back. I do intend to address this particular debt in the near future (once i have sorted myself out) and there was a 5k ppi that i will claim back on it (the original loan was for 10k and they said i had to take the insurance and i could never have claimed on it due to my employment). I have asked my employer to send the faxes that welcome sent them through the internal post, what should I do next? Woodwa5

Hello mate, first off don't worry (easy to say). I'll deal with the Halifax issue as you seem to have pretty much resolved Natwest. Firstly you need to send a letter to the DCA and Halifax (address it to Halifax and cc the DCA) (never communicate with them other than in writing). Headline it ACCOUNT IN DISPUTE. I am by no means an expert on this and you may wish to get a second opinion but I would send something like this: I am writing to clarify that I am currently in the process of requesting a refund of bank charges unlawfully made to my account. I note from your latest correspondence that you have issued me with a Default Notice on this account. I need to make you fully aware that I am disputing the sum owed and, as such, you must refrain from any further action until this dispute is fully resolved. The current Banking Code (Section 13.6) states: We may give information to Credit Reference Agencies about the personal debts you owe us if: You have fallen behind with your payments, The amount owed is not in dispute; and You have not made proposals we are satisfied with for repaying your debt, following our formal demand. I would also like to make you aware of The Office of Fair Trading Code of Guidance in which it states: putting pressure on debtors or third parties is considered to be oppressive This includes ignoring disputes about whether money is owed and refusing to freeze action if the debt is in dispute. If you do not reverse this default action and proceed by making any adverse comments on my credit reference files, I shall be forced to take legal action against you under the Data Protection Act 1998. I therefore hope to receive your full co-operation in this matter and would like to request a written response to that effect. If you need anything further please ask:p

Keep us all updated. I recently got the same reply from natwest. It seems they have a completely different definition of hardship from the rest of the world, I am also considering my response at the moment

Funny you should say that because I got the same response (ie don't believe I am in hardship). I challenge one person to read through my threads and agree with them. I am guessing this something to do with RBS being in the red!!!

wow, what a storey. i have had many problems with abbey, have you contacted customer services? i know it sounds obvious but if you explain to them what you've explained here then they may help.

Hi Columbo, The first thing you need to do is put in a Subject Access Request (S.A.R), this will cost you £10 however they will then be legally bound to send you all the information (statements etc) they hold on you. The letter is in the library. The next thing you need to do is have a look around and get an idea of what happens next. I can and will guide you as much as possible but the best thing to do is look at the Abbey forum and see what has happened to others. Most importantly as soon as you start the claim the account/debt is in dispute and under the terms of the current court waver they should no longer pursue you for it. You may find that when you add interest to your claim it is more than you owe them. If you need anything else please ask, Woodwa5

Well done, I see you've started the thread as suggested. I think that there are huge issues surrounding Kensington but it is going to take somebody who is incredibly brave to do anything

At the top of the screen (on the same line as it has your personal messages) you will see kensington mortgages highlighted in red, above that it says other institutions, click on that and it should take you back to all of the current threads within this area. To start a new thread you will see at the bottom of the screen is a little blue box with 'new thread' written on it and what looks like a newspaper. Select this and you will be able to start your new thread, if you pop kensington mortgages somehere in the title we'll all pop over and give you some help, any problems setting this up then drop me a message using the tools at the top of the page;)

I would advise you to start a new thread of your own and we will all do our best to help you. You can see that my experience virually mirrors yours. As for the ERC how can that be legal when we have not voluntarily exited the mortgage, you would have to look at the wording in the original agreement

it does take some time (several months) before they actually go to that step

Well i have decided to start harrasing them for a decision now. They have had all my evidence since 20th September and so far all i have had from them is an acknowledgement which i received on 25 October. I have phoned Mr COYLE today and left a message on his answerphone, hopefully he will be able to clear this up

i also think we have hijacked jh2008's thread and although i am sure you don't care, i do and this is my last response to you

hmmmm....i think you live in a very strange world if you think that's swearing, offensive yes and for that i apologise but swearing? i don't think so

in retrospect i should not have stooped to eyeofhorus level and applaud stardust john's sentiments on those who judge.

oh and aren't you the special one for never incurring bank charges

I think the kind of support you offer people on this forum is not needed, i have looked through your previous posts and you have made some good points but also points like: How on earth does someone 'run up' £4000 worth of charges??? You would think after the first few that you would perhaps organize your finances better? Can i claim back library book charges? My local library charged me 5p per day when i took a book back 3 weeks late. Obviously your outlook on this is very simplistic and indicates an individual lacking in intelligence or compassion (more than likely the former). If you have nothing of use then just shut up and p*** off back to the Abbey

Rumbled!!!!!!!!! Lol

One suggestion could be to write to them and include the reference number from your other case so they can maary it up. Another classic case of either left hand/right hand or just plain taking the p***