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lmd75

Help required with Hardship Excel Spreadsheet

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Hello,

 

Natwest have charged my partner £1K in bank charges and I would like to try to claim them back via the hardship route. I have downloaded the templates but am unsure in which way to proceed with completing the Hardship Excel spreadsheet.

 

Which is the best way to complete the spreadsheet - her as an individual or as a couple?

 

We are living together as a couple with a baby. She is receiving statutory maternity allowance and child benefit and I am a contractor in temporary employment. As a couple we have more going out than what we have coming in.

 

We are not in arrears with the rent but are a month behind with the council tax and a few utility bills but are only surviving off credit. We will get on our feet as soon as she returns to work in a few months.

 

 

Her bank account has no record of any direct debits /standing orders. All it states is her maternity allowance /child benefit income and cash withdrawals.

 

 

Will they want to see all my bank statements /proof of expenditure to back up her claim on getting in proving that she is in hardship? Do I simply state her income and halve all the utility bills, rent etc?

 

Are we simply wasting out time with the hardship route and should just reclaim the charges as normal?

 

Many thanks.

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Hi, lmd75.

 

Sorry, I'm not sure :rolleyes:

 

I'll move this thread to the Hardship Forum, hopefully you'll get help in there.

 

EDIT:Thread moved.

 

Regards.

 

Scott.


 
 

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Hello,

 

Natwest have charged my partner £1K in bank charges and I would like to try to claim them back via the hardship route. I have downloaded the templates but am unsure in which way to proceed with completing the Hardship Excel spreadsheet.

 

Which is the best way to complete the spreadsheet - her as an individual or as a couple?

 

We are living together as a couple with a baby. She is receiving statutory maternity allowance and child benefit and I am a contractor in temporary employment. As a couple we have more going out than what we have coming in.

 

We are not in arrears with the rent but are a month behind with the council tax and a few utility bills but are only surviving off credit. We will get on our feet as soon as she returns to work in a few months.

 

 

Her bank account has no record of any direct debits /standing orders. All it states is her maternity allowance /child benefit income and cash withdrawals.

 

 

Will they want to see all my bank statements /proof of expenditure to back up her claim on getting in proving that she is in hardship? Do I simply state her income and halve all the utility bills, rent etc?

 

Are we simply wasting out time with the hardship route and should just reclaim the charges as normal?

 

Many thanks.

 

The bank will assess household income and so income and expenditure should include that and photocopies of any arrears notices. I think you need to explain(to the bank not me) how there became a time when you were unable to cover outgoings, ie maternity leave starting, and the effect the charges had on your ability to pay the priority creditors(mortgage/rent, council tax, utilities).

Furthermore, and I say this a lot on MSE, if you have Credit card charges, I would actually deal with them first since they are the easiest to claim since there is no messing around with them.

Have you got the charges details going back to 27th July 2001(FSA Waiver on banks charges compliant)?

  • Haha 1

.

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

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Thanks Yourbank - My partner did not incure any credit card charges - just a grands worth of overdraft fees /failed DD's etc on the account since 2003.

 

At the time of incurring the bank charges, my partner was not in hardship and was simply due to bad money management. It is only now that we are in hardship and it would be nice to get back some money to help with the bills - does this matter?

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Thanks Yourbank - My partner did not incure any credit card charges - just a grands worth of overdraft fees /failed DD's etc on the account since 2003.

 

At the time of incurring the bank charges, my partner was not in hardship and was simply due to bad money management. It is only now that we are in hardship and it would be nice to get back some money to help with the bills - does this matter?

your argument is still valid re the charges since as they had to be covered it meant other bills could not be paid which is why you got behind, right?


.

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 l went down the road of trying to claim hardship with natwest and it was rejected they said my case did not fall into the hardship cases due to not have,ing defaults and things like that .but in fact we have got defaults and we are behind in our council tax and gas and electric.and it was all down to natwest not paying our direct debits even when our wages go in ever week they still did noy pay them and thats were it all started to go wrong charges after charges.our hardship claim got rejected october ,november of last year if your trying for hardship make sure its good because if not it will get rejected.

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hi l went down the road of trying to claim hardship with natwest and it was rejected they said my case did not fall into the hardship cases due to not have,ing defaults and things like that .but in fact we have got defaults and we are behind in our council tax and gas and electric.and it was all down to natwest not paying our direct debits even when our wages go in ever week they still did noy pay them and thats were it all started to go wrong charges after charges.our hardship claim got rejected october ,november of last year if your trying for hardship make sure its good because if not it will get rejected.

Nothing stops you going back to NatWest on hardship again either ;)


.

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.haw have l to download spreadsheet and send in with letters l have for our mortgage and c.tax arrears and send them with template letter with rundown of our outgoings.

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I use a slightly different one to the one one here as it is used by NatWest AFAIK

Money Advice Trust - The CFS budget forms and preparing a financial statement

I would argue the case on the reasons why there was sufficient funds to cover your priority creditors(mortgage, council tax and utilities) ie loss of job, reduction in income, essential expenditure etc, etc, Furthermore I would explain how the charges have had an affect on your ability to repay priority debts.

The next part of the approach I suggest is not necessarily asking for the whole claim to be settled but that you state the full amount owed and work out an amount to settle the hardship element of the claim. For example, repayment of amount to clear priority debt arrears, perhaps an amount to take the account back into an unagreed overdraft(if applicable) and perhaps a suspension of charges and/or interest for say 3 months to allow you to get on top of the budget.

I hope that makes sense


.

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

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