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Hardship Disability allowance


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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?



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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).




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




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