Hardship Claim

[jansus]

If you accept an interim offer you are still able to claim the rest depending on the case/waiver. However this is a very low offer - I tink the ones I have seen on the other site I post on were between 40 and 60% -I will check and come back to you

[jansus]

yes I was right they were about 65 % of charges and one from Abbey was 90%

 

 

I think I would write - say you are not happy -

 

And that you will give them another chance to re-consider before taking it further ( it may be a typo )

 

Do you have a pressing debt such as mortgage arrears? Its just that in one case the poster gave authority to send the money to the mortgage company and that helped.

[alex_the_lad]

Hi! I haven't really got anywhere with the Hardship claim (my dad's been particularly ill so I've been involved with him).

 

An interesting development is that I left my Abbey account dormant and it accrued charges over the last few months without any money being paid in. I got a letter from a DCA and I basically wrote back telling them the account was in dispute. Not had a reply to that as yet.

[Gilbert_O'Sullivan]

Yes, I want to know about this hardship ballhooks too.

 

1 I've no intention of complaining to the FSA as they are useless. Can I start a court claim and ask that the case be heard due to hardship?

 

2 And if I am in hardship now, 2009, but I want to sue for charges from 2003, does hardship count at all considering bank charges from 2003 cannot really be considered as having an effect in 2009?

 

However, for example, that money of say £2000 from 2003 deprived of me by my bank would now settle my mortgage arrears of £2000 in 2009 if the Goddam claim was heard now??

 

:confused:

[alex_the_lad]

Gilbert if you want to pursue a court case then if you scroll up and look at the post the Mr Lex made on this thread on 11th November you'll find two very useful links.

[jansus]

We have on another site taken a hardship case to court recently and it was not successful but there is going to be another hearing.

 

The cases that have been helped have all either just persevered and kept complaining or have had help through the FOS.

 

But we have noticed that different financial institutions have very different attitudes to the waiver conditions.

 

There was a post on here about a group action proposal.

[alex_the_lad]

We have on another site taken a hardship case to court recently and it was not successful but there is going to be another hearing.

 

The cases that have been helped have all either just persevered and kept complaining or have had help through the FOS.

 

But we have noticed that different financial institutions have very different attitudes to the waiver conditions.

 

There was a post on here about a group action proposal.

Hi Jansus! Back in November when Abbey rejected my claim to hardship I raised a complaint with FOS. I had to allow 8 weeks for Abey to issue a final response - which (so far) has not arrived. I just sent my complaint form and evidence to FOS. In your experience - how effective are FOS in helping conusmers? Edited February 5, 2009 by alex_the_lad

[jansus]

I have seen a couple of cases where they have since the new waiver guidelines been successful in getting refunds- however the guidlines are only that and some banks are really taking a hard attitude and will only refund as a last resort - for example house is about to be re-possessed.

 

So really it seems to depend who you are dealing with unfortunately - but definitely you have done the right thing by going through the correct proceedure and stages of trying this route.

[chickaroo]

I have put a claim in for hardship but not quite sure if im gonna get anywhere im in debt with my council tax,gas,rent and have bills of 17k in all.Live on my own with 2 children just need some kind of help.Ive sent them most copies of my debts income expenditure sheet no just gotta wait!!!

[alex_the_lad]

Just to 'bring some closure' to this thread. Last November Abbey rejected my harship claim. Then after a little delay (on my part) I raised a compliant with FOS with regard to my rejected claim for hardship. Yesterday I had a call from Abbey informing that they now accept that I'm in hardship and will make a partial refund.

[yourbank]

Good news Alex, please keep us updated when they have offered you something.

[TUTTSI]

Just to 'bring some closure' to this thread. Last November Abbey rejected my harship claim. Then after a little delay (on my part) I raised a compliant with FOS with regard to my rejected claim for hardship. Yesterday I had a call from Abbey informing that they now accept that I'm in hardship and will make a partial refund.

 

Alex, I am really pleased that you pursued it further and that Abbey have finally agreed to help you. Let us know when they finally pay you - I suspect it will be the 65% which is what they paid most people.

 

Also the hearing at the House of Lords is not too far off - 2 weeks time.

 

Tuttsi x

[FM79]

I'm following this thread with interest and grateful to all who posted, but does all of the above still apply in September 2009?

 

I'm about to make a hardship claim and I'm not too positive. I've recently become disabled and I'm not eligible for anything it seems. I'm still waiting to hear if I'm disabled enough for DLA.

 

Best,

FM

[TUTTSI]

Just to 'bring some closure' to this thread. Last November Abbey rejected my harship claim. Then after a little delay (on my part) I raised a compliant with FOS with regard to my rejected claim for hardship. Yesterday I had a call from Abbey informing that they now accept that I'm in hardship and will make a partial refund.

 

Any news Alex?

[FM79]

It's good to know that a complaint to the FOS about your hardship claim being rejected got the decision overturned. I'll keep that in mind.

 

Link here: our complaints procedure and how to complain