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alisonmcmorrin

Are Rbos Allowed To Ask For Further Info If A Hardship Claim???

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Hi

I recently applied for my charges back due to hardship (the charges are over £500 in the last year, I have had to take money from credit cards at high rates, I am a full time student with a low income and I regularly go oer my overdraft).

 

The RBOS got back to me wanting me to fill out about 3 pages of very detailed income and expenditure. My account is with them and most of the information is on my statements anyway. I supplied copies of credit card statements and my University confirmation letter as evidence in the original letter.

 

My question is do I have to supply this information also or are they just stalling? Surely just the charges being over £500 is enough info that they need??

 

They also said they can force me to cancel unnecessary outgoings. I have recently changed my gas/elec supplier and changed house insurance to save money. I also reduced my virgin package to the minimal one. Can they force me to cancel my mobile phone and life policies??

 

Any help appreciated.

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The Financial Statement or Income and Expenditure is the way they assess you for financial hardship and is fairly standard.

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Hi

I recently applied for my charges back due to hardship (the charges are over £500 in the last year, I have had to take money from credit cards at high rates, I am a full time student with a low income and I regularly go oer my overdraft).

 

The RBOS got back to me wanting me to fill out about 3 pages of very detailed income and expenditure. My account is with them and most of the information is on my statements anyway. I supplied copies of credit card statements and my University confirmation letter as evidence in the original letter.

 

My question is do I have to supply this information also or are they just stalling? Surely just the charges being over £500 is enough info that they need??

 

They also said they can force me to cancel unnecessary outgoings. I have recently changed my gas/elec supplier and changed house insurance to save money. I also reduced my virgin package to the minimal one. Can they force me to cancel my mobile phone and life policies??

 

 

Any help appreciated.

 

Not a chance.

They cannot force you to cancel anything. They owe you money.

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