Letter explaining to bank I come under the "finanical difficulty" umbrella

[fran1380]

With regards to the above, when do I add it to the correspondence? Is it when I send the prem letter?

and does anyone know how to word it?

 

Thanks in advance!

[fran1380]

does anyone know how i word this???!!!

[enamae]

If you are going to claim under the financial hardship rules you need to complete an income /expenditure spreadsheet. This can be found in the

Banks Template Library together with the appropriate letter(6)

 

 

enamae

[fran1380]

thanks I just found it!

[heidi1974]

good luck fran1380, i had put a claim in for hardship and they only give me £50.00 as a goodwill, they will not refund me any of my money even that im in hardship, i have had to email the financial ombudsman to try and get my money back now. its a joke, i will never bank with them again.

 

GOOD LUCK LET US NO HOW U GET ON !!

[Woolleykat]

Keep plugging in there Fran - AL has stumped up £565 to my account due to financial hardship, but it took two letters and a bit of determination. they say it's a refund of all fees since my change in circumstances. I'm now looking for a letter to reply that I will still be challenging the rest of my claim.

[heidi1974]

can i just ask what other letter did you send them as i have sent them 2, one asking for my fees as we are in hardship and the other was a income and expenditure letter. thanks.

[Woolleykat]

can i just ask what other letter did you send them as i have sent them 2, one asking for my fees as we are in hardship and the other was a income and expenditure letter. thanks.

 

Probably should have explained better Heidi. AL were being awkward and said they needed more evidence of hardship - i.e when partner gave up trading and other bits all of which were in original income and exp. letter. so I sent of required 'evidence' along with a letter stating they already had the information and reminded them that interest was still being incurred on my claim that had been stayed and I would persue.

[heidi1974]

thank you for explaining, i dont think there is anything else that i can do apart from waiting till the ombudsman sorts it out for me. i have even been thinking of making a complaint.

[yourbank]

thank you for explaining, i dont think there is anything else that i can do apart from waiting till the ombudsman sorts it out for me. i have even been thinking of making a complaint.

 

Heidi, don't give up hope. The bank will have to assess you for Financial Hardship(it is all in the waiver), some people have had some success from what is called the HASSLE THEM approach, ie ring em and hassle em. Keep the chin up.

[heidi1974]

thank you, as we are skint i could of done with the money from the bank to pay for my bk, i might try and ring them tomorrow, i just feel everything i keep doing is not getting us any where, but it is keeping my mind off other things. x

[fran1380]

I havent heard back yet (i was delayed in sending letter anyway) but i doubt i will get anywhere either. Even though the "hardship" criteria i definatley qualify for. I wish this was all over and we could just get our money back!!

 

I hate A & L i cant believe i ever went near someone that charged £5 per day for being over overdraft.arghhhh!! Now to find another account

[heidi1974]

i had a letter on saturday, saying thank you for your letter please could i send in photo copys of wage slips for 2009, also how much benefit we are receiving. but i have also complained to the ombudsman for them to sort it out for me. as alliance did not want to no but now they do. if you have bad credit its hard to get a bank account as i have already tryed. the only bank account i can have is think banking but they charge you £12.00 a month, but i have no choice i have got to go with them.

[yourbank]

i had a letter on saturday, saying thank you for your letter please could i send in photo copys of wage slips for 2009, also how much benefit we are receiving. but i have also complained to the ombudsman for them to sort it out for me. as alliance did not want to no but now they do. if you have bad credit its hard to get a bank account as i have already tryed. the only bank account i can have is think banking but they charge you £12.00 a month, but i have no choice i have got to go with them.

Have you replied to A&L? If they had not issued a final response or had not replied and it was within 8 weeks then FOS will send your complaint to A&L. Might be worth seeing if you can get hold of a fax number for them if they accept faxed information perhaps.

[heidi1974]

hi thanks for the message,

i had a letter on the 12 march saying = thank you for your query fees raised on your account.

we have reviewed the circumstances in which these fees were charged and confirm they are in line with our fee structure.

Although the fees are correct, we have taken account of your situation and are pleased to advised that on this occasion we have refunded £50.00 as a gesture of goodwill. however, any future fees charged correctly will remain. then just says how to avoid fees.

 

the other letter i had was 25 march what came saturday saying=

thank you for returning your income and expenditure details.

please provide copies of documentation confirming your household recent income. this may be in the form of salary or wages, the last certified accounts or tax return if self employed, benefits agency, student grant or pension payments. alternatively you can send us copy of the hm revenue and customs assessment for tax credit awards.

it will help if we explain that in these circumstances we have a filtering process to assess applications for a refund of bank fees due to change in personal circumstances. what we are looking for is information and documentation to support that our fees have been raised due to conditions beyond the control of our customer.

when your claim has been assessed, for your security and confidentiality all documentation you send will be destroyed. please ensure that your account number is clearly written on any documents you send.

 

i had sent them the income and expenditure on the 23/2/09 but forgot to send it recorded delivery, so they said they had not received it. so i had to send them another one on the 11/3/09 recorded delivery.

but when i received the letter on the 12 march i reported it to the ombudsman and sent them all photo copys of the letters alliance had sent me. i have now photo copyed all information they require, and i will be sending them by recorded delivery tomorrow morning.

they just seam to be taking there time to sort this out.

[yourbank]

Heidi, the good news is that some banks are starting to payout and while the £50 is quite frankly nonsense if it doesn't alleviate your hardship, at least things are starting to move forwards.