Hi lint, have you started your own new thread.? It is best to do so this enables people to keep an eye on your particular situation. I stayed on the phone for 2 hours talking to them. With a promise that a customer services person will ring me back later or the next day. Guess what they didn't. so I will ring again and explain that your banking customer service isn't doing well and I'm contacting the Ombudsman about this. I'm going to attack from all sides. Me, the Courts and the Ombudsman. Will the message get through I'm not going away.8-) Try contacting the Money management team on this number to see if they have your details 0845 6000500 and use the customer services number on your letter the communication from them to customer services is almost zero. It took 3 weeks when I contacted them direct and they still didn't have my details from customer services. Do the assessment over the phone and stick out for them to post it back to Customer services,they might say they can't...... regards Nigel

Just had my payment for my allocation questionaire refunded to me from the courts. just got to convince the customer services now.......lololol

So why would a bank only offer doc8207 a certain amount of the total charges.?

Hi guys would it not be a case of i accept the payment on the grounds that it is not the final settlement and will continue to proceed to regain the rest of the charges in court.? I have struggled like mad to even get two departments in HBOS to talk to each other with my hardship case. Their Money management team accept that I am a serious hardship case but couldn't send their report through to their customer services team. Until I mentioned the Ombudsman and their incompetant system. regards nigel

Well where do I start..........er after a 2 hr telephone conversation with a very helpful man in the money management tea, it appears I have been lead up the garden path... lets say with H.B.O.S. this was due to the fact that customer services told me to contact the MMT about my assessment. On every occasion this is what I have done.......NOW...MMT tell me that they are not able to pass back to customer services my assessment of hardship "report". Then why do customer services tell me to contact MMT and ask them to send direct back to the said person their assessment.? MMT can only do that with a certain type of account a CR account..Basiclly when you let the account get to such depths of despair you probably wouldn't ever recover from that situation...Now MMT agree that I am a serious hardship case but because customer services haven't said I'm that type of account this stops them from communicating back the assessment report. huh! Even while I was speaking to MMT the helpful man put me on hold and went off to talk to the said man in customer services. Now the nice MMT man came back and said that the "Said man had told him something entirely different to what he had told me. This has happened several times:???: This was now getting ridiculous. It basically became lies and for a company of this size was not good protocol. I mean how the hell can one department not be able to communicate with another just because it is not a certain type of account. They can talk over the phone but can't pass reports. H.B.O.S MMT team agree that I'm a serious hardship case but customer services don't want to hear it. huh! I said I feel like talking to the ombudsman about the deceit or lies and the messing about the two departments were doing to me, never mind talking about bank charges and hardship. Anyway my nice man in MMT suddenly came up with oh Mr..... I've just been told by the some team or other that we have now managed to pass the information across to customer services/relations team and you will receive a hard copy as well and they will be in touch with you about your case either later today or tomorrow...........well done nice man from MMT. Many thanks for trying so hard and receiving ear ache, I hope you have managed to pass it to them, I'm just a little bit cynical about an organization who's Manager tells me one thing and then tells his colleague (whilst I'm on hold)the total opposite. Thank you MR MMT MAN lets hope your colleagues in Customer Services can agree with us that I am in hardship and repayment of bank charges would help keep the roof over my family of 6. Experience: Someone somewhere can make a decision and can make it happen. Paying back bank charges is the flick of a keyboard. STAND AND FIGHT

Hi again everyone. I rang the bank to ask about the reply I had from them. I think it works like this. In the case of hardship, the customer services look at your case and then as a course of procedure transfer you to their Money Management Team. I spoke to a very nice lady on the money management team who explained a little bit more about the procedure. Apparently Customer services are still investigating the claim that you put in but they want you to go through a financial statement with the Money Management Team. So as the information hadn't got through to Money Management Team from their customer services (21 days later) the lady said I could go through the assessment straight away with her. She gave me advice on certain things I could look at to improve my situation,[why not just pay me back all my bank charges that is my answer to help my financial situation ](not much more I could do ,to what i had already done). After my assessment she agreed that i was spending well below my families size expected expenditure {national family average...what ever that is..?}and that I had cut back on my spending to try keep myself afloat. She thought I had good grounds to claim hardship and that her "report" would now go back to the customer services for further assessment as to repayment of charges. So guys thats my experience of the system for those who are trying to do this. Experience.? If customer services have referred you to their Money Management team, don't sit back and wait it took 21 days and the rest for the M.M.T to even have me registered. So customer services gave me their number 0845 6039079 and I got on with it myself. I had a joke with the girl that there was one important debt/bill/expense missing off of their Financial statement questionaire form.....You guy's have guessed it BANK CHARGES yes why isn't that on their financial statement. In the last month I have had £455 in charges alone..... I was told it will take a week for the report to go back via some management process. So I think that it will go well in your favor to go through this M.M.T if it is a hardship case (god willing) I found the lady very helpful and friendly and when you see through the H.B.O.S. exterior a common sense human-being was helping me. Here's hoping that the Customer services team can be the same. Hope this has helped at least one person. regards Nigel

I think I mentioned further back in my thread the sympathy ,apathy I feel for the staff. In my conversations with the banking people i always have the inteligance to be able to seperate the person as a humanbeing and the job they do. That is why I labelled them "PAWNS". My thing is, at what point up the ladder does a humanbeing also feel such a strong urge to become H.B.O.S. It's probably the over paid,roeswood officed creep hiding behind the pawns. Thats the person I need to speak to. After working for Barclays for 25years, my dad retired. 6 months after retirement he received an emergency phone call that his brother in South Africa was dying and wouldn't last the weekend. The company he was working for at the time paid for his flight out and told him to go pack your bags and get there. 30 mins later at the branch he worked at refused him a £200 overdraft, as the manager didn't feel this trip waranted an overdraft of £200 the whole branch couldn't believe it. My dad was very popular and you wouldn't meet a more loyal,straight hard working person who saved them hundreds of thousands of pounds. He got A's at his reviews everytime. He received a four page appoligy from the directors when he got back. For what it was worth.! Too little too late. Just one reason to fight back, hell you must feel the same to be on this site. Thanks once again for your support yourbank. regards Nigel

I think banks have this system or ploy to be as unhelpful as possible in the hope that people will give up and just go away.......not me......As I have said before I have seen them deposit large amounts of excrement on my family and their staff and me, and thats what gives me the fire in the belly to go for the jugular. You've paid me out before and you will pay me out again. Your guilty as far as I can see all those out of court settlements oh lets add non liable to get you off the hook. Thanks yourbank for the back up Regards nigel

Thanks yourbank... I agree it just seems like they haven't even looked at my financial statement (THEIRS AT THAT). There is a number which appears on the letter which I don't recognise as a typical Halifax number but it does say customer relations department. Its taken a week from writing it..to receiving it. I will ring this number tomorrow and see if I can make head or tail of it........Thanks yourbank....regards nigel

Yes yourbank i sent them back their form of expanditure showing relevent debtors etc. Unfortunately I don't have a scanner to scan the letter. Or well here goes... Dear mr......... thank you for your communication. we acknowledge receipt of your complaint about unarranged overdraft bank fees.we believe that your complaint concerns the level ,fairness or lawfulness of the fees.if it concerns something else,such as an administrative erroe ,please let us know. Having reviewed your account carefully, i am satisfied that the fees were correctly applied. Your complaint abouit the legality or fairness of unarranged overdraft bank fees will remain on hold, pending the outcome of the ongoing legal proceedings with the OFT, as explained below. We also acknowledge that you indicate that you are experiencing financial difficulties. In view of your current financial circumstances we would like to arrange fopr our specialist Money Management Team to contact you. They will provide you with advice on how to avoid these fees in future and also work with you ,to identify what further assistance we can provide to help you manage your account financial circunstances. You will shortly receive a letter from our MMT providing details of how to contact them to discuss what help is available in relation to the financial difficulty aspect of your complaint. enclosed is a copy of our leaflet explaining our complaint procedures for your financial difficulty complaont and the help the financial ombudsman service can provide.If I don't hear from you in the next eight weeks, i will assume you are happy with the manner in which we have handled your complaint about financial difficulties. The rest of the letter just goes on about how If I continue to run my account in this manner then then the charges will be applied as usual. then gives a couple of debt lines to contact Citizens advice etc...... Next paragraph goes on about the situation with the OFT court cases etc. Next para says QUOTE " In your previous correspondence you have asked us to explain how we set the level of fees we charge. As this is commercially sensitive infotmation, I hope you will understand that I cannot provide this information." I BET THEY DON'T EVEN KNOW THIS INFORMATION THATS WHY. Next Para Quote Also you have reffered to the guiodelines on credit card default fees issued by the OFT .As the guidelines do not apply to bank account fees ,I cannot comment on it in connection with your concerns. The guidelines are about default fees which people must pay when they break the terms of a credit agreement with a lender. And finally they will keep me in formed with the proceedings with the court cases. Question. Do you think this MMT are looking to negotiate with me or are they just another financial debt help people.? any ideas yourbank ....has anyone dealt with this team ...is it another part of the process under hardship fee retievel.? thanks yourbank regards nigel:evil:

Hi again everyone. Well after a weeks wait for a letter from the bank. It turns out to be the usual condescending, patronizing letter explaining that they do think their charges are fair and that they are sorry to hear that i am experiencing financial difficulties. After filling in a financial statement and a letter explaining that its is due to illness that I find myself in this predicament, it just seems that it has gone straight over their heads. they are so sorry to hear about my situation that should I continue to use my account in a similar way then future fees will be applied to the account. Do I need their Money management Team to help me (patronizing ignoramuses) NO. Its simple the reason I'm in this situation is due to illness and while I have not been able to work....YOU and your money management team have continued to steal money from my account which has worsened my situation.I don't need your Management team to explain to me about my financial situation. I can tell them what the answer is to my current financial hardship, and that is for you lot to pay me my £6000 of charges back now so that i can pay my creditors and manage to put food on my table.:evil:. Why not now when you paid me out before .? OK, now. I wonder if those people out there on this site that have been successful with their hardship claim could possibly help with the next stage after receiving this fob off letter. This letter looks like no one at all has looked at my situation what so ever. CAN ANYONE HELP AS TO HOW THEY GOT THEIR CHARGES BACK VIA THE HARDSHIP ROUTE, I HAVE READ SOME PEOPLES THREADS BUT FORGOTTEN WHICH THEY WERE. HELP... PLEASE. regards Nigel

Oh I have known a few bank directors in my time, my cousin was a diretor of the halifax , my dad was with barclays ,my mum was with the co-op bank. A director of Barclays once told me that any company that continually uses its overdraft shouldn't really be operating.....oh that was after giving a finance company £9million overdraft.......I'd love to hear his wisdem today..........still its ok for them with their obscene bonuses and wages and pensions............probably never ran a company in their lives and they preech about what we should do.....same for the MP's we're alright jack !!!!!!!!!!!!!!!.and if you think it will be solved this expenses larck it won't it will be dressed up in a different way so they will never loose... I feel for the poor bank workers (pawns) treated like mushrooms and fed bull**** who are expendable and who are thrown to the dogs after preeching the gospel according to their bank. I've seen this happen lots's and lot's of times after 20+ years service. The staff will stand in front of you and say "we never pay back bank charges" oh yes you do love get off your soap box and tell the truth...never mind what some out of sight manager, director, tells you ....you are the one facing the music tell the truth you have paid back millions......oh by the way you might be out of work next....I know you have your mortgage to pay too but ..........welcome to the pleasure dome..........Sorry everyone but thats the way I see it . It's this total disrespect for humans both customers and staff that gets to me. Regards Nigel:-x

Thanks yourbank. Well I for one have been struggling "to cover reasonable living expenses and meet financial commitments as they become due;" I have had somewhere in the reagion of £500 in bank charges in the last month:evil:. Its not done deliberately I just find my self injured at the moment with doctors certs since last June. Will let you know what the letter says.......I did ask for all cherges to be considered right up to settlement of our discussions.......and I have filled in my AQ to court and will be asking for a refund of my court fees due to my child benefit letter and tax award being out of date. So just waiting for them to come through. thanks everyone In fact I am in a worse situation than when I got £9,000 back from them after taking them to court for previous charges. Any company that settles out of court and does so many times, must feel some form of guilt even when not accepting liability........... Regards Nigel

Hi again , I understand from Martyn Lewis that hardship can be applied on three possible situstions: 1. If your outgoings are greater than your incomings 2 If you have had more than £500 in charges go out in the last 6 months 3. And if you are having to use a credit card just to exist on your every day outgoings. Are these correct..???????? Does anyone have experience of claiming back charges on the grounds of hardship. I rang the bank today to find out more on my case, they are sending me a letter and if i don't agree with the letter then there is a direct phone number to ring on it . That might be one of their fob off letters or one of these that go on to pay your creditors direct and you have the rest .....not sure . I believe some people have had this happen could anyone out there give advice on there experience and how they dealt with it. regards nigel

Hi everyone . Just rang Halifax with regard to my hardship case. Does anyone out there know a handy HOTLINE NUMBER that would get me through the relevant department. They keep telling me someone is looking at it ,but how sort of true do you think that is. I don't know if its just a fob off answer. They have now had my details 4 weeks, Help, regards nigel.

Ok the bank have had my hardship details a couple of weeks now so should I start pestering them for the my monet back now. They continue to charge me while this is going on amd I have asked them to take into condsideration all these charges as well. Anybody else gone down this road of hardship direct from the bank. I continue with my court case aswell AQ to be in by 11th May. regards Nigel

oh manythanks yourbank. regards Nigel

Or well sent everything off to bank for their consideration of my hardship. I understand there are different reviews in the case of hardship. 1. If your outgoings are higher than your incomings. 2. If you have had more that £500 of charges in the last 6 months 3. If you are having to use a credit card to pay for every day living. I suppose all these have to be prooved of course. Or well lets see then.

ok thanks miniconverter.regards nigel

Any help here anyone.?????????regards nigel Dear Sir/Madam, Thankyou for your communication dated 8th April 2009. 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. I am currently self employed and had a poor financial year 2007-2008.Since the 3rd June 2008 have not been able to work due to injury. I have full doctor’s certificates and have made provisions in the past for such an eventuality with Mortgage protection and loan protection insurances. I am currently struggling on my working tax and family tax credits only and the help of my pensioner parents. I have recently been behind with my mortgage by two months and my council tax is in arrears by two months. I am currently looking towards Incapacity benefit. I would also ask that any charges applied to the account since the last charge dated on my claim (8)), the last date being 17th February 2009, to the date this claim be settled, to be taken into consideration. I am currently experiencing hardship and as such believe it should be exempt, under the waiver of July 2007 and continuation of July 2008 from the stays that are being imposed due to the current test case between the OFT and 8 banks. 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 Enc; Financial Statement. I give my permission for you to process/use data related to me, in the course of processing my claim to a satisfactory conclusion. Signed Name Date 20th April 2009 Should I also ask in the above hardship letter to my bank for any bank charges that are taken out after the last bank charge in my claim date (17-02-09) to also be returned or taken into consideration as this is their internal hardship investigation that I am appealimg to. Refards nigel

Hi I have a Mercedez C200 Elegance and a garage discovered it was rust on the inside of the body work.when I went to Mercedez HQ they told me to take it to Derwents in leeds. They came back with the warranty is not valid because its the "WRONG TYPE OF RUST" I wondered if anybody else has had the same problem.?

Could someone help with above last post post please? I have also found out that,if you are asking for remission on your court fees. Every time you have a fee against your case you have to be able to proove that you are eligible at each stage. I.E. If you put your claim in and they agree to you being excempt from the fee. When your allocation questionnaire comes mine is n150 so its supposed to be £200, then I have to do another ex160 form with relevant proof (as previous) as at the start of the claim........Nothing is ever simple is it. Many thanks everyone. Regards Nigel

Ok thanks yourbank. Do you have any help on the Part F "proposed directions" when filling in the questionnaire.? Its not clear to me wether I just copy and paste this into a word document and attach the whole lot to the questionnaire. Should I also put the following letter ( which is a copy of what I sent to the courts) in with the banks "Common Financial statement" spread sheet of my finances.? In Leeds County Court. (Claimant) and H.B.O.S Bank (Defendant) Dear Sir/Madam, 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. I am currently self employed and had a poor financial year 2007-2008.Since the 3rd June 2008 have not been able to work due to injury. I have full doctor’s certificates and have made provisions in the past for such an eventuality with Mortgage protection and loan protection insurances. I am currently struggling on my working tax and family tax credits only and the help of my pensioner parents. I have recently been behind with my mortgage by three months and my council tax is in arrears by two months. I am currently looking towards Incapacity benefit. My situation hasn’t been helped by the bank continually charging extortionate amounts from my account. I am currently experiencing hardship and as such believe it should be exempt, under the waiver of July 2007 and continuation of July 2008 from the stays that are being imposed due to the current test case between the OFT and 8 banks. 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 Enc; Financial Statement. I give my permission for you to process/use data related to me, in the course of processing my claim to a satisfactory conclusion. Signed Name Date 19th February 2009 many thanks for the help everyone.

Hi yourbank, when I filled in my ex160 at great length with the boy at the courts I filled in part 4 "Full remmission based on gross annual income" this was accepted by the court house and the case was filed. But when I got the Notice that a defence had been filed the allocation questionnaire somebody had wrote £200 fee payable.....!!!!!!? I will ring the copurts and ask about this in the morning. Not sure about part F Proposed Directions in our libraries there is an template to use but do I use all of the template that is there. Would I also put in the directions about asking the stay not to be applied under the grounds of hardship.? thanks you guys but HELP. regards Nigel P.S. I am also filling in the banks question on hardship income would it be wise to point out in a letter to them that they are receiving the same info as the courts and that they have agreed to my court costs exemption under the hardship terms.

Thanks Caro,they have asked me to fill in this form so it will give them a more accurate view of my circumstances the information "will allow them tomake a more comprehensive assessment of my circumstances ." so you may be right I'll just give them the same info as the court's and will check with the courts as it is the same case that I am excempt from these fees. Can you help with the other questions on the AQ regards Nigel