Help! with getting charges back

[maggiemay48]

My 12 mths stay expires 20 august.Where do i go from here.Still not had a offer. from the bank.

[Michael Browne]

The FSA has extended the waiver until Jan 2009 and stays are likely to be automatically extended too. Phone the court to check.

[maggiemay48]

I am going to write a letter to my bank.Claiming hardship.I had 2 jobs .My GP told me to stop one of my jobs.Otherwise i am going to have a breakdown.My son or daughter not working.My daughters going to college in sept.Will this count for hardship? I am in debt with morcroft.Water.tv licence. counsel tax.I am on a holiday morgage which starts up again 28th august.So i am going to be worse off.

[georgieboy]

Hi maggie I think you should also write to the court explaining your situation, good luck.

[maggiemay48]

Ccan anyone advise me on how much it will cost. to pay someone to get my charges back.How can i find a solicitor that does it?In my area.(Manchester) I have been to court.The judge put a stay on it for 12mths.The stay is now up.Im Fed up waiting.They owe me Roughly £5.000.I spoke to my branch manager.She said they are dealing with Hardship cases.Its not up to her.She has to send them off to head office.I have no idea what to put in the letter..I am useless a things like that, so i would sooner pay some one to finish it off for me.Anyone.Know of any solicitors.And how much will it cost?

thank

[Guest Old_andrew2018]

Why bother with a solicitor, you can do this yourself, your claim is stayed a solicitor will not be able to get the stay lifted, anymore than you can.

IMHO your claim will remain stayed until the test case is concluded.

If you qualify for consideration under hardship rule then there are many forum members who can help you.

[maggiemay48]

Why bother with a solicitor, you can do this yourself, your claim is stayed a solicitor will not be able to get the stay lifted, anymore than you can.

IMHO your claim will remain stayed until the test case is concluded.

If you qualify for consideration under hardship rule then there are many forum members who can help you.

Thanks very much.I need someone who can do me something like a letter set out so i can put in my income and outcome.I have tried this on my computer but its am mess.I am going to try for hardship.Cause i struggling keeping in my overdraft.

[weazledeasel]

You could try ringing head office up. im pretty sure they would have to log your complaint as a hardship one over the telephone.

[maggiemay48]

You could try ringing head office up. im pretty sure they would have to log your complaint as a hardship one over the telephone.

Hi thanks for he reply.Do you know the telephone number?Do you know anyone else whom has done it this way?Thought you had to write to them.

[weazledeasel]

I dont think the bank would be allowed to not take an instruction over the phone, pretty sure that would be against fsa regulations. Ive done a quick net search and their customer complaints unit is on 0845 602 5410. You could try give them a bell and see if they can help

[caro]

Hi Maggie. Long time no see. I'm so sorry that you are still having to wait after all this tim.e, but I don't honestly think that a solictor would make one jot of difference.

 

There is information here on how to ask for your claim to be dealt with quicker due to hardship.

ttp://www.consumeractiongroup.co.uk/forum/bank-templates-library/154154-hardship-stayed-claims.html#post1640904

 

I also think you should get yourself a basic account with another bank, get all your income paid into it, transfer all your direct debits or standing orders to it, and just stop using Yorkshire Bank. When your claim is paid back to you, you'll be able to pay them off. If they start threatening just write back and remind them you are taking them to court so the account is in dispute. They shouldn't take any action against you.

Edited September 21, 2008 by caro