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Hardship cases leaving claimants open to abuse


chomerly
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Hi all,

I'm new to the site and have a few questions for you.

 

1) When claiming back charges under hardship, what's was the time frame from applying to getting the money back?

 

2) Has anyone been offered a poultry amount because they're claiming under hardship?

 

3) What's the OFT's take on banks abusing the fact that people may take a massively reduced amount offered while claiming under hardship?

 

 

It would be really interesting to hear what experiences people have had. I'm going to have to make my claim into a hardship case as i've gone from having 1 full time and 2 part time jobs to just one part time job and i could do with the money big time. :|

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Yes,

I have council tax arrears and some utility arrears.

The charges i have claimed for come to just over a six hundred quid and that's not including the ones i've had since i started the claim last summer.

Has anyone tried to apply their charges onto their existing claim or would you have to start a separate claim?

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Yes,

I have council tax arrears and some utility arrears.

The charges i have claimed for come to just over a six hundred quid and that's not including the ones i've had since i started the claim last summer.

Has anyone tried to apply their charges onto their existing claim or would you have to start a separate claim?

Include all the charges since 27th July 2001. Make sure if you have had a claim acknowledged in the passed that you make it clear that you want your case to be looked at as financial hardship.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Ok, so that means any charges that i've accumilated since the date i started my claim for charges can be added on?

I'm guessing this may be for a different thread but what about late payment charges for motor insurance accounts? Could i claim for them too?

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Ok, so that means any charges that i've accumilated since the date i started my claim for charges can be added on?

I'm guessing this may be for a different thread but what about late payment charges for motor insurance accounts? Could i claim for them too?

All charges for unpaid cheques/direct debits/standing orders, referral charges, unarranged borrowing/maintenance charges and card misuse/guaranteed card payment charges.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Well, i called the bank on friday evening and got nowhere.

I was basically told that if i made sure funds were there at the time of a transaction then there wouldn't have been a charge made to my account and the bank isn't looking to refund charges. Basically telling me no, you can't have your money back.

As a result i'm now 45 quid down before i can even zero my account.

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Well, i called the bank on friday evening and got nowhere.

I was basically told that if i made sure funds were there at the time of a transaction then there wouldn't have been a charge made to my account and the bank isn't looking to refund charges. Basically telling me no, you can't have your money back.

As a result i'm now 45 quid down before i can even zero my account.

Who did you call? Did you call the team that deal with hardship or a call centre?

Try this one 0845 3030 456. I think they are open until 6pm tonight.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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It was a call centre. I explained to the person that i was struggling financially at the moment because i've lost my main job and only have my part time job left. I also explained that the charge is placing more burden on me.

The person i was talking to at the time then put my through to the credit services team and that's when i was told what i explained in my last post.

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