Jump to content


Hardship Disability allowance


Tony1978lfc
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4551 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello people :D

 

Can someone advise on this please.

 

My mum is on disability and has run up quite a bill with her mbna card.

 

What does she need to do besides sending the hardship letter template and spreadsheet. Does she need to send a disability letter or put what she has in the hardship letter template?

 

Tony

Link to post
Share on other sites

I'm afraid your mother won't be able to claim hardship in order to claim back charges on a credit card. The FSA Waiver Hardship Guidelines applies to charges on current accounts.

 

However if your mother has a bank account with charges and she fulfils the criteria set out below, she may be able to make a claim

 

In making an assessment of financial difficulty the evidence taken into account should be;

 

a. evidence of changes in lifestyle, including loss of employment; disability; serious illness; imprisonment; relationship breakdown; death of a partner; starting a lower paid job; parental/carer leave; and starting full-time education;

 

b. evidence of the following events:

i. items repeatedly being returned unpaid due to lack of available funds;

ii. failing to make loan repayments or other commitments;

iii. discontinuation of regular credits;

iv. notification of some form of insolvency or court proceedings;

v. regular requests for increased borrowing or repeated rescheduling of debts;

vi. making frequent cash withdrawals on a credit card at a non-promotional rate of interest; and

vii. repeatedly exceeding a credit card or overdraft limit without agreement (and, in this regard, where a complainant has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty).

 

 

enamae

Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...