Lloyds rejected hardship claim

[akania]

the amount is £582.00. £282.00 overdrawn and £300.00 charges so in an ideal world if they paid them self back the charges then the debt would be clear.

 

I put in a hardship claim and they rejected it. Any ideas on what to do now?

 

Thank you

[yourbank]

the amount is £582.00. £282.00 overdrawn and £300.00 charges so in an ideal world if they paid them self back the charges then the debt would be clear.

 

I put in a hardship claim and they rejected it. Any ideas on what to do now?

 

Thank you

 

How did you argue you were suffering financial hardship?

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

[akania]

Yes all of that. I have also recived a letter from apex management saying that she can pay 50% of the debt. The whole aoutstanding money was made up of charges, she didnt even have an overdraft on the account.

[yourbank]

Yes all of that. I have also recived a letter from apex management saying that she can pay 50% of the debt. The whole aoutstanding money was made up of charges, she didnt even have an overdraft on the account.

 

Was she still using the account as her main account?

Did she send an income and expenditure form with arrears letters?

Was any of the arrears being paid off on the prioirity debt arrears?

[akania]

She hasnt used the account since feb. She sent to i &e form with the letter and the arrears on the council tax and mortgage gas and electric are still being paid off

[yourbank]

She hasnt used the account since feb. She sent to i &e form with the letter and the arrears on the council tax and mortgage gas and electric are still being paid off

 

In that case then I can see why they rejected it. If the arrears are being paid off then there is disposable income(ie more money going in than going out excluding the paying off of arrears).

If the account is not being used at all then I can see and would agree with why they have said No.

[akania]

But the whole amount is made up of charges , they even oew her an extra £260.00 that they previously took , all of this for being £14.00 OD!!!!!

[yourbank]

But the whole amount is made up of charges , they even oew her an extra £260.00 that they previously took , all of this for being £14.00 OD!!!!!

 

But having bank charges is not necessarily financial hardship. But I would be telling every DCA who sniffs about to get lost since the very fact that she has a claim means that the amount owing is in dispute.

[akania]

Even though LLoys have rejected it?

[yourbank]

Even though LLoys have rejected it?

Lloyds acknowledged you claim for bank charges, they simply rejected your hardship element to the claim.

That means its time to tell every DCA to sod off.

On the rejection letter it should say they will deal with the case when the OFT test case issues are concluded.

[akania]

wow ok thanks so much for that! I dont think it said that but i will look again tomorrow. If it doesnt say that is there a letter i can send them?

[yourbank]

wow ok thanks so much for that! I dont think it said that but i will look again tomorrow. If it doesnt say that is there a letter i can send them?

 

If it doesn't say it, we will kick their bottoms over it

[akania]

Lol ok, would love to. How do i do that???

 

Oh and one last thing. Are the banks allowed to chase for overdraft debts that are also made up of charges when the test case hasnt been finalised?

Edited July 26, 2009 by akania

[k1mmie]

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Edited October 23, 2009 by k1mmie
delete

[akania]

I dont know. They seem to make it up as they go along. I know YOUr Bank was kind enugh to post thoes links but i still dont know what letter from that list to send. Im so clueless:confused:

[yourbank]

Akania, I have an example of one of the best letters I have seen on the forums which is not a template but does go through hardship criteria to a T. Have a read so you know the kind of things you want to write about:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2301473.html

[akania]

Thanks thats brilliant !!!

[Blossomandebony]

Hi, Akania,

 

Lloydstsb are the worst for refunding anything under the hardship criteria, as you can see from the posts on here, unfortunately.

 

Like K1mmie I have been rejected by Ltsb under the hardship scheme and it is now with the FOS. The Fos have replied with their initial findings, which agreed with Lloyds.

 

To be fair, the FOS sent me quite a detailed letter. What's most annoying is that Lloyds have told the FOS a whole string of inaccurate information and the FOS have swallowed it!!

 

Firstly, Lloyds have told the FOS that my debts were wholly with other companies - LIE. Then they said I had agreed to a repayment plan for my overdraft - LIE. (they contradict themselves quite a lot!).

 

So, I have written back to the FOS for a final judgment, outlining the falsehoods. To be honest, I don't expect much, it's apparent that Lloyds will say the right things to the FOS to get what they want. Still, you have to try. Good luck with yours!

 

BAE

[akania]

I received a letter from Apex credit management offering a reduction of 50% on these charges. I ignored it. I have now received a letter again from apex threatening all sorts. Can someone please help me on what to do next. Lloyds have rejected hardship, so do i now go down the LBA route?

[Preuss]

Little bit more fun... Lloyds rejected my hardship claim on the overdraft that is made ONLY of various charges, despite the fact that we even cannot pay the mortgage (house almost on repossesion...)The worst thing that my OH's jobseeker allowance was paid into Lloyds acc. Jobcentre managed to mess things up and we haven't received any money for a quite a while and suddenly from nowhere some lousy £160 appeared in that cursed lloyds account despite the fact that we advised JC to pay everything to totally different acc. Guess what happened - I am paying fines with the money that should help me to survive...

 

Sorry... needed a shoulder to cry on

[Massamum]

Little bit more fun... Lloyds rejected my hardship claim on the overdraft that is made ONLY of various charges, despite the fact that we even cannot pay the mortgage (house almost on repossesion...)The worst thing that my OH's jobseeker allowance was paid into Lloyds acc. Jobcentre managed to mess things up and we haven't received any money for a quite a while and suddenly from nowhere some lousy £160 appeared in that cursed lloyds account despite the fact that we advised JC to pay everything to totally different acc. Guess what happened - I am paying fines with the money that should help me to survive...

 

Sorry... needed a shoulder to cry on

 

Preuss, so sorry to hear of your difficulties. I had a similar situation with my jobseekers allowance a while back. I wrote to DWP advising them of my new bank details but they went ahead and paid my benefits into Lloyds, Lloyds swallowed it up in charges and I had nothing to live on.

 

I wrote to the DWP and explained what had happened and especially that Lloyds was taking all my benefits in bank charges and pointing out that it was DWP's mistake as I'd already advised them to pay into different account and lo and behold a week or so later they re-issued me with the whole amount. Don't know if they managed to get it back off Lloyds or what happened but its definitely worth giving it a try. That is money you should be living off and god knows its little enough. Good luck.

[Preuss]

Thanks, will try tomorrow to draft a letter to all parties concerned.

One thing that I am grateful for is that I stumbled upon this forum and found many nice people who actualy can help. And life is not so gloomy anymore

 

And now I am going to war... sounds silly.. a microbe against a giant (if I am not receiving all CCA's from Lloyds tomorrow, I will be sending them preaction letters, lets hope that they lost all original loan papers)