Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


The Unfairy

Should I apply for the charges under hardship?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4020 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

 

We had a NW account which I reclaimed charges on about 2 and a half years ago and got a settlement then. Since then we carried on using the account until recently when they kept taking so much in charges we just couldn't risk putting any more money in with them. As the account stands we have gone over the £2500 overdraft BUT NW charges add up to about £2300 since the time we had the last settlement.

 

They are now sending us letters saying they will take us to court and tell the CRA.

 

Should I now put in a claim for these charges, I mean I don't expect to actually get the money but it would clear the overdraft and therefore I would owe them about £100 in total possibly less which I could pay off now?

 

By putting in a claim will the prevent them taking me to court now?

 

Should I do it under the hardship scheme? We are currently a low income family due to reduction in work hours and do have some mortgage arrears, which we are paying off as much as we can?

Share this post


Link to post
Share on other sites

Ok, should you start the process? YES

If you don't use the account then its a NO to hardship.

I would take it as far as court if need be and you might get fee remission using a form EX150


.

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

Share this post


Link to post
Share on other sites

Thanks, I can check the charges online, they have issued a default notice today so I am guessing they are brewing to take me to court?

Share this post


Link to post
Share on other sites
Thanks, I can check the charges online, they have issued a default notice today so I am guessing they are brewing to take me to court?

That works in your favour cos you then counterclaim for bank charges. It's a lose lose situation for the bank :D


.

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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...