hardship case getting somewhere?

[rogersonjeff]

:confused:HI ALL

think i have some good news

had a claim in with abbey since june last year for 6000 worth of charges

also FOS involved as claim was a hardship one

got know where and was told it will remain on hold until after testcase

ithought i was agenuine hardship case mortgage arrears,council tax arrears,unsrecured debts etc

anyway rung abbey again last week and mentioned the recent hardship clarification and was told someone was looking again at my claim and would contact me shortly (yea yea heard it all before)

then on friday a call from nice lady at abbey who listened sympatheticly and told me to return the income/expenditure form she would send and any evidence i had of my hardship

forms on doormat next day thursday

returned with evidence friday

calltoday 4.00pm same lady said she had been though forms agrees im in genuine hardship needs to speak to her manager but told me she was almost certain would be reembursed enough to cover all arrears including unsercured debt

my heads in a spin is this to good to be true sitting by my phone now as i type this fingers crossed

[fatbulldog]

Hi,

I have just put in a hardship claim to the abbey. My mortgage company have applied for an eviction warrant so it is pretty urgent now and the claim is over £8000. I sent in a letter and copies of solicitiors letters but have been unable to find a direct contact number. Who did you speak to? Would you mind passing on the number? The one I have for Triton square just has a no one available message!!!

I will keep my fingers crossd for you too!

Best wishes,

Angela.

[rogersonjeff]

sorry angela

do not have a number as abbey rang me (i no its hard to believe)

the address i posted to was PO box

if i get anything i will let you know asap

[breeze1996]

try 0845 602 2631

 

quote your acount number

[fatbulldog]

Hi,

Thanks for coming back to me. Unbelievable that they rang you!! Spent all morning on the phone to the complaints department who have finally said that someone from legal will have to call me back. You mentioned the FOS. Would you mind telling me how you got them involved. Did you write or fax and is there a specific department or address?

Any help is much appreciated.

Thank you

Angela.

[rogersonjeff]

FOS involved since last june

but in end got fobbed of they said all abbey had to do was try and help my situation not refund me

but i rung them again after i rung abbey and it seems they had already started looking at my case again after the hardship clarification

lady from abbey also said she had spoken to FOS about my claim

postman due at 11.30 but i think i will get a call first

[fatbulldog]

Hi,

Finally got hold of someone in Abbey legal department. No record of the correspondence I had sent in!! Faxed it all over to him. He rang me back to confirm receipt and said would come back to me as soon as he had a decision, hopefully before the end of the week!

I hope you get yours through soon as it made me think there may be hope after all. When they tried to fob me off with a small refund 18 months ago they just put it straight into my account and I didn't get a letter until a couple of days later. You may be presently surprised if you keep an eye on your account.

Fingers Crossed!!!

Best wishes,

Angela.

 

NB. Thanks breeze. I think I will try that number tomorrow as I want to keep chasing.

[breeze1996]

thought I'd share an email address i've been give.

 

[email protected]

 

ask for this to be passed to the complaints department.

 

Complaints

Abbey

PO Box 5129

Milton Keynes

MK9 2YN

 

Richard Harris

Head of Complaints.

 

Have also been talking to Mr Coley.

He asked for it to be explained that all non court claims are classed as complaints and should be sent to the above address. He can not help, as all he is doing is redirecting the emails, so it won't make your claim happen any faster. All his department deals with is claims going through the courts.

[rogersonjeff]

nothing today im afraid

only a strange feeling that things seem to be moving

three calls from a banks complaint department within a week its unheard of is nt it

[TUTTSI]

Hi Roger,

 

I received a call on Friday from Abbey's legal dept regarding my hardship, they are putting 65% of my claim into my account next week.

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/65003-ds-abbey-bank.html

 

This is not going to prediduce my rights to the balance after the test case.

 

So fingers crossed for you.

regards

Tuttsi xx

[TUTTSI]

Hi,

I have just put in a hardship claim to the abbey. My mortgage company have applied for an eviction warrant so it is pretty urgent now and the claim is over £8000. I sent in a letter and copies of solicitiors letters but have been unable to find a direct contact number. Who did you speak to? Would you mind passing on the number? The one I have for Triton square just has a no one available message!!!

I will keep my fingers crossd for you too!

Best wishes,

Angela.

 

try Ronan 020 7 756 4398 from the legal dept of Abbey he has just agreed mine,

[fatbulldog]

Hi,

I think that is the same legal department I am talking to but a chap called Toby. He says it is being reviewed by Abbey but he will be the one who comes back with the decision.

Please may I ask roughly the grounds of your hardship case? I am just trying to get a handle on what they take seriously. My repossession warrant doesn't seem to push them into action quickly! How long did they take to deal with yours?

The FOS told me this morning that the Abbey have 8 weeks to respond to the hardship claim and it doesn't matter that it was an existing matter before that. The FOS will write to them but that will probably get filed under 'when we get round to it' also!!!

Thanks

[TUTTSI]

Hi,

I think that is the same legal department I am talking to but a chap called Toby. He says it is being reviewed by Abbey but he will be the one who comes back with the decision.

Please may I ask roughly the grounds of your hardship case? I am just trying to get a handle on what they take seriously. My repossession warrant doesn't seem to push them into action quickly! How long did they take to deal with yours? Suspended possession order, husband had two emergency eye ops last year culminating in lost pay causing us to have serious mortgage arrears. I supplied court evidences and mortage statements etc. My claim took just under 4 weeks.

The FOS told me this morning that the Abbey have 8 weeks to respond to the hardship claim and it doesn't matter that it was an existing matter before that. The FOS will write to them but that will probably get filed under 'when we get round to it' also!!!

Thanks

 

When did you send you claim in, did you send it with all the documentation ie Income and Expenditure, Updated spreadie of your charges and interest, evidences supporting your harship and of course a letter laying out why you feel you are a hardship case. It is also importnat that you document everything really well, I numbered the pages to match with the para numbers in the letter to make it easy for them. I also put my court claim number as case had been stayed and my Abbey account number.

Ronan told me that once they have all the documentation together they send it to a special department which has recently been set up to deal with the 1000's of claims for a decision to be made. Mine must have been packaged well as Ronan was true to his word he said he would call me on Friday and he did with the offer and to say that Abbey had recognised that I was a genuine hardship case.Others I know who sent theirs off the same time as mine and packaged the same way have not yet heard but are expecting to hear any day.

If you have sent everything and covered all aspects which I have recomended and you have not heard I would in your circumstances contact the CEO of Abbey and ask them to chase it for you as time is of the essence. I know someone who did this because of a pending repssession through First Direct and they chased it for him and paid pretty quickly to help his situation.

Good luck and let me know how you get on.

Tuttsi xx

[fatbulldog]

Hi,

By the sound of it I have done exactly everything the same as you. It sounds as if you were lucky getting yours through before everyone else submitted theirs!

I like the CEO idea. Will be ringing Toby (abbey Legal) again later this afternoon. If still stalling I think I will try that idea. Thanks for telling me your situation it is encouraging as it is actually very similar to ours, although in our case the mortgages companies patience has run out with regard to what we have been able to pay against the suspended order.

Thanks again.

[TUTTSI]

Hi,

By the sound of it I have done exactly everything the same as you. It sounds as if you were lucky getting yours through before everyone else submitted theirs!

I like the CEO idea. Will be ringing Toby (abbey Legal) again later this afternoon. If still stalling I think I will try that idea. Thanks for telling me your situation it is encouraging as it is actually very similar to ours, although in our case the mortgages companies patience has run out with regard to what we have been able to pay against the suspended order.

Thanks again.

 

I am never normally lucky, but pleased that I was lucky on this occassion, it was a life saver for us. The whole amount would have been better but hey 65% is better than nout.

 

I am keeping my fingers crossed for you that all will come good. Sounds like you are on the right track. I am helping anyone in this situation that has a hardship case because I have done it and it worked for me.

 

>>>>>>>>>

[fatbulldog]

Hi Everyone,

 

Good news just had a phone call from Abbey solicitor to say will pay out 65% of my hardship claim. Will be in my account by Friday!!!!!

 

I can't actually believe it at this moment. Will be enough to clear the arrears which is such a relief.

 

Typically my husband asked if I had tried to negotiate! I must admit it didn't occur to me as I don't think it is a coincidence that we have been offered 65% also. Has anyone tried to negotiate at this stage? The man confirmed that we could still go after the additional 35% at a later date. The other question I forgot to ask is if things eventually go in the banks favour can they reclaim this back from us? Did you ask?

 

Thanks for all you help and encouragement. I think I would have given up otherwise.

 

Thanks

Angela.

[TUTTSI]

Hi Everyone,

 

Good news just had a phone call from Abbey solicitor to say will pay out 65% of my hardship claim. Will be in my account by Friday!!!!!

 

I can't actually believe it at this moment. Will be enough to clear the arrears which is such a relief.

 

Typically my husband asked if I had tried to negotiate! I must admit it didn't occur to me as I don't think it is a coincidence that we have been offered 65% also. Has anyone tried to negotiate at this stage? The man confirmed that we could still go after the additional 35% at a later date. The other question I forgot to ask is if things eventually go in the banks favour can they reclaim this back from us? Did you ask?

 

Thanks for all you help and encouragement. I think I would have given up otherwise.

 

Thanks

Angela.

 

Hi Angela

 

Firstly congratulations, I am really delighted for you.

 

I did ask Ronan from Abbey Legal Dept when he phoned me last Friday but he said that was the max and it was not going to prejudice the rest of my claim after the OFT Test case if it goes our way. There were no strings attached either so I felt I should take it as the money would be very usefull to ensure that our property is not repossessed.

 

Tuttsi xx

[TUTTSI]

Angela, I just thought I would let you know that I checked my account this afternoon and the money has been deposited.

 

All the Best

Tuttsi xx

[BigBudgie]

There are no stings attached to these goodwill offers from Abbey.

If the OFT were to actually lose the test case then there would be nothing to repay to Abbey.

 

Rgds Budgie

[poppynurse]

I pushed them and got more than their original refund offer - see my thread

[Buby x]

Hi. My claim was stayed too. How do I start to make a vlaim to get the stay lifted due to financial hardship. What eveedence to I need to support this and where or whom to I write. is it the court I should I go direct to abbey.

Buby

[TUTTSI]

Hi. My claim was stayed too. How do I start to make a vlaim to get the stay lifted due to financial hardship. What eveedence to I need to support this and where or whom to I write. is it the court I should I go direct to abbey.

Buby

 

1.Income and expenditure sheet.

 

2.Documentary evidences ie court summon's, statement from your rent/mortgage company showing that you are in arrears, council tax, electricty and gas arrears etc....as much evidences as you can to substatiate your claim.

 

3.Include in your letter why you believe you should be considered a hardship case ie in my case my hubby had a couple of emergency operations and we fell into serious arrears leading to a suspended possession order and behind with paying household bills. You have to spell out exactly why you feel that you have good grounds under the present FSA waiver rules on hardship.

 

4.An up to date spreadie of charges and interest.

 

 

Use your court reference and send it to: Ronan Coyle, Abbey National PLC, Location Code TS6 D03, Abbey National House, 2 Triton Square, Regent Park, London NW1 3AN

Tel:

Edited September 18, 2008 by TUTTSI