Nationwdie Hardship case

[wobbles]

I dont think i have any faith in the FOS they told me Yorkshire Bank had till 3rd Dec 2008 to respond to them regarding a complaint about an old mortgage, Yorkshire bank have still not replied to them and they have not done nothing about it.

[WOOD73]

I received a letter from the fos, saying they have written to nationwide for more information, and it would go before an adjudicator in due course, but they are very busy blah blah.

It would be interesting to see the information they receive from nationwide, dont know if I ever will.

[AA99]

F the FOS, I seem to have better response from the ICO - Information Commissioners Office. It seems all these consumer 'bodies' are not in favour of the consumer, or maybe they are now out of their depth!!!!!!!!

[wobbles]

Hi,

 

The letter you have got sounds like an exact replica as the one i recieved dated 18th December 2008, They will now ask Nationwide for further information on the case and then as soon as they are able to do so the will pass my complaint onto an adjudicator who will consider carefully what both me and Nationwide have to say before setting out thier view on how the complaint should be settled.

 

Just to let you know FOS have been looking at my other complaint since 3rd July 2008 (last year) nearly 7 months and still no sign of resolving compliant regarding old mortgage with Yorkshire Bank

Edited January 16, 2009 by wobbles
missed something out

[wobbles]

Recieved another letter today from FOS apparently I am still not in financial hardship they are agreeing with nationwide that i have the surplus of £107.05 per month from child benefit, and because i had charges refunded 2 years ago they will not proceed with my complaint.

If i am not happy with their decision i should write to them by 29th January 2009 to explian why I disagree and provide any further evidence.

 

So hubby got £170 charges refunded when he has no benefits or tax credits going in his account and although the only money i have going in my account is tax credits he is in financial hardship and im not even though we both have the same income and expenditure.

 

Should I write back to them saying hubby got refunds because he is in hardship so how can i not be?

[WOOD73]

If you have the letter off the nationwide agreeing you are in hardship, copy that and send that to the ombudsman, but either way I would definately raise that issue with them.

I think its like I said before, because of the 'credit crunch' the government are defending the banks in an effort to keep them going, and I do think this may affect the outcome of the test case, and how the banks have the cheek to say 'your in this position due to bad financial management', considering the state of their finances and having to take tax payers money to bail them out!

We dont get such bail outs, I'm afraid to say this country has gone to the dogs and at first opportunity I think I will be off.

[AA99]

Agreed Wood:p

 

Recieved another letter today from FOS apparently I am still not in financial hardship they are agreeing with nationwide that i have the surplus of £107.05 per month from child benefit, and because i had charges refunded 2 years ago they will not proceed with my complaint.

If i am not happy with their decision i should write to them by 29th January 2009 to explian why I disagree and provide any further evidence.

 

So hubby got £170 charges refunded when he has no benefits or tax credits going in his account and although the only money i have going in my account is tax credits he is in financial hardship and im not even though we both have the same income and expenditure.

 

Should I write back to them saying hubby got refunds because he is in hardship so how can i not be?

 

Please apply online to the ICO (Information Commissioners Office), it's quick and easy and they responded in writing to me within 2 days and said someone would look at my case and get back to me. That's good enough for me for starters, because I now have a letterhead from the ICO and I can use that for now to quote to the bar stewards in the meantime. Often enough, that can be enough for the bullies to step back

 

http://www.consumeractiongroup.co.uk/forum/nationwide/176846-aa99-nw.html

[indebtstudent]

What is the basis of your financial statement? You may have missed things out which could be included, or under-estimaed other. Get a debt charity to do a statement of affairs, they know exactly what can be included and what can't something the Nationwide will not tell you.

[AA99]

Complaints - Privacy & electronic communication - ICO

[WOOD73]

I went on the cccs website and filled in an online debt analasys, it asks questions about you family unit and gives you amounts that you should expect to live on, and its anonymous.

Its quite surprising to be honest, your allowed a lot more than I thought.

[wobbles]

just emailed lady at FOS asking how she can say i dont class as hardship when nationwide agreed that hubby did and we both have the same income and expenditure. Will await her reply now, i sent her a copy of the letter hubby got agreeing to refund him £170 and saying that they agreed he was in hardship