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Do you feel you have a "hardship" case that has been unfairly treated?

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3) had been offered a settlement which has now been retracted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




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







Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)


offer from A&L 24/8/07 - after case stayed


"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery




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