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witsend79_uk

Claiming for hardship

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Hi,

 

I have two claims with HSBC which have been stayed since August 2007.

 

I would like to put in a claim for hardship but am not sure who the initial letter should go to. Does it go to HSBC or their solicitors DG?

 

Also, are there any template letters for hardship claims?

 

Many thanks

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Hi,

 

I have two claims with HSBC which have been stayed since August 2007.

 

I would like to put in a claim for hardship but am not sure who the initial letter should go to. Does it go to HSBC or their solicitors DG?

 

Also, are there any template letters for hardship claims?

 

Many thanks

 

Do you have priority debt arrears(mortgage/rent, council tax, utilities)?

Have you received further charges since you put your claim in through the courts?


.

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

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As soon as I began my claim through the courts I opened a bank account elsewhere which my wages and direct debits now come out of so I haven't incurred any further charges with HSBC although I have incurred charges with my new bank because my outgoings are more than my incoming so I keep going over my overdraft limit with them.

 

I'm not in arrears with my mortgage yet because I took out a loan last year which I have been using to cover my priority debts but that money has now run out and I am one month behind with my council tax.

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As soon as I began my claim through the courts I opened a bank account elsewhere which my wages and direct debits now come out of so I haven't incurred any further charges with HSBC although I have incurred charges with my new bank because my outgoings are more than my incoming so I keep going over my overdraft limit with them.

 

I'm not in arrears with my mortgage yet because I took out a loan last year which I have been using to cover my priority debts but that money has now run out and I am one month behind with my council tax.

 

In that case, I would pursue you current bank since the priority debt arrears today were not caused by HSBC and I would expect a No from them in all honesty. I take it there is absolutely no room to move on any of your outgoings?


.

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

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To be honest, I'm expecting a no as well but think it's worth a try!

 

The only outgoing that I can cancel is Sky tv and I've been shopping around to try and reduce insurances etc.

 

Thanks for your quick reply

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