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Hardship Claim with HBOS


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Hi,

 

I was wondering if it would be worth my husband and I applying for a hardship case on our charges?

 

Like everyone else our charges claim is on hold.

 

My husband lost his job at xmas and has never managed to find any work since. I am a full time housewife (we have 3 little kiddies). At this moment in time we are not in Rent arrears but thats because we have had a college bursary coming in every month which has just covered the rent and we have used our tax credits to pay for food, gas, elec ect.

 

My husbands college course has now ended so our only income now is our tax credits. I dont have a clue how the rent (£500) will be getting paid at the end of this month.

 

We have sold everything we can think of in order to pay for previous months bills. Our car has been reposessed and our gas and elec has now been put onto pre payment meters as we couldnt pay the bills. We are in massive council tax arrears to which we are supposed to be paying £30 a week on but we cant afford it.

 

Our bank charges claim was for £2414.72 (not including the interest). With that money we could pay our rent, sort out our council tax and buy a cheap car to make finding work a bit easier. It would also be nice to have some money for my kids b'days and xmas. My youngest turned 1 in April just past and I felt awful, he barely had any presents and we couldnt afford to take him anywhere to have some fun for the day. My eldest will be turning 7 this Sept and like every other girl her age she wants a party! I cant work out how am buying her a b'day cake let alone any presents or a party!

 

Any advice would be great, thanks guys:)

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Hi,

 

I was wondering if it would be worth my husband and I applying for a hardship case on our charges?

 

Like everyone else our charges claim is on hold.

 

My husband lost his job at xmas and has never managed to find any work since. I am a full time housewife (we have 3 little kiddies). At this moment in time we are not in Rent arrears but thats because we have had a college bursary coming in every month which has just covered the rent and we have used our tax credits to pay for food, gas, elec ect.

 

My husbands college course has now ended so our only income now is our tax credits. I dont have a clue how the rent (£500) will be getting paid at the end of this month.

 

We have sold everything we can think of in order to pay for previous months bills. Our car has been reposessed and our gas and elec has now been put onto pre payment meters as we couldnt pay the bills. We are in massive council tax arrears to which we are supposed to be paying £30 a week on but we cant afford it.

 

Our bank charges claim was for £2414.72 (not including the interest). With that money we could pay our rent, sort out our council tax and buy a cheap car to make finding work a bit easier. It would also be nice to have some money for my kids b'days and xmas. My youngest turned 1 in April just past and I felt awful, he barely had any presents and we couldnt afford to take him anywhere to have some fun for the day. My eldest will be turning 7 this Sept and like every other girl her age she wants a party! I cant work out how am buying her a b'day cake let alone any presents or a party!

 

Any advice would be great, thanks guys:)

 

It does tick a number of boxes for me, but you need to start the process. If you haven't written to HBOS then write and include the spreadsheet for hardship from CAG(an income and expenditure form) or the common financial statement, link is here: Money Advice Trust - The CFS budget forms and preparing a financial statement

 

Ask them to treat your case as hardship. Explain the circumstances in which your income dropped and the effect that the charges had on both your budget and on income to pay the priority debts.

I think the charges sound a little low for my liking. Have you gone back to July 2001?

.

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

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In fact, July 2002 if you are in Scotland unless you have a servicing address in England

.

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

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Hi yourbank thanks for getting back to me. The account was only opened in 2003 so all charges being claimed are going back to that date.

 

I will have a look over your links just now. I need to go to the post office tomoz to send a letter off about my car being reposessed with no court order so I would quite like to get a letter off to the bank at the same time.

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Hi,

 

This is the address in the 'stickies'..........

 

HBOS

Customer Relations

PO Box 548

Leeds

LS1 1WU

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I wrote letter to the bank (used the template in library) and filled in the expenses sheet. Am currently very close to -£700 a month short on covering our bills etc.....scary. No wonder am stressed!!

 

The letter will be in the post by recorded delivery tomoz.

 

Thanx for everyones help so far. :)

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Hi,

 

I think it's 8 weeks.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

 

I think it's 8 weeks.

 

Regards.

 

Scott.

you count 8 weeks from receipt by them of letter 1 just to clarify(however that is specifically if you are looking at the FOS route).

.

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

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8 weeks!!! some hardship process...lol :)

 

What is the other route?

 

It's standard timescales on complaint handling. If it goes through the FOS it is a further 12 weeks providing all documentation is sent and no further requests are made to you.

.

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

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