Cahoot ignoring my hardship claim

[poppynurse]

I keep telling cahoot that the stay that they applied for and the additional charges they are adding each month to my current account, plus the quadrupling of interest on my flexible loan account is causing me financial hardship but they won't respond inwriting they just email to say ring us...what can I do???

[zootscoot]

Have you tried phoning them?

 

If they do not process your claim make sure you make a complaint to the FSA as they are collating evidence for the review of the waiver until the end of this month.

[poppynurse]

But I don't trust them and want everything in writing....

Have complained to the FSA and they just came back with the standard response.

[dpick]

Hi if Cahoot apply for a stay then you can counter by applying for an amended stay to stop them from applying further charges and any interest applied to those charges. Have put link below there are quite a few links there for OFT case stays

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

All the best dpick:)

[poppynurse]

tried all that and no joy

[jansus]

I can not help much - but the links on here might help.

 

CRFX is trying to get a summary of genuine hardship claims that are not being dealt with during the waiver.

 

If you think this applies to you - please let me know - not for individual help but if you are willing for your case to be used in an example in a letter.

 

Jan

 

 

 

 

It was part of the agreement between the FSA/OFT and the banks that although current claims would be "stayed" that "hardship " cases would be filtered through.

 

If you feel that SINCE THE WAIVER you have

1) appealed against a stay on this basis and been refused

 

(Just to clarify, the courts have a right to stay any case but banks should

not apply for a stay in cases of hardship.)

 

2) contacted your bank and asked to be considered on this basis and been refused

3) had been offered a settlement which has now been retracted

 

Then if you would be willing to either pm me or post details here I am trying to help crfx collect data to send to the FSA.

 

Here is a link to the proceedure the banks were supposed to adhere to

 

http://www.fsa.gov.uk/pages/Doing/Re...ction_disp.pdf

 

And also an extract from the website announcement.

• Consumers who have received a final response from the bank/building society which does not include an offer
  Consumers still have the option of complaining to FOS. However, the banks and building societies have also requested that the FOS does not consider any complaints about unauthorised overdraft charges until resolution of the test case.
  
• Consumers who are in very difficult financial circumstances - 'hardship cases'
  Banks and building societies will have to conduct a filtering process to ensure that cases of genuine hardship are still dealt with during the waiver period. Cases of hardship would still be entitled to be referred to, and dealt with by, the FOS.

__________________

 

This is also a useful thread to read Success at A and L via hardship case route

 

 

 

thanks

 

Jan

[jansus]

There is an announcement today regarding hardship cases

Plus the thread below has some interesting comments on criteria

 

Jan

 

 

An idea - any comments from mods and others?