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maggie2lisa

Hardship Case Me V's Abbey **WON**

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I wondered if someone could help me, I tried to claim my bank charges back a couple of years ago and got put on hold due to currect court cases.

 

After going to Martin Lewis's website I realised I come under the catogory for Hardship, I was made redundant two years ago (I was pregnant with my 2 year old) we are in mortgage arrears and 2 secured loans on the property are in arrears, we are also water & council tax arrears.

 

I wrote to Abbey claiming hardship and they sent me a financial request so I sent them copies of all debt letters and court letters and a details of our income and expenditure. ( I do apologise if spelling is bad only doing this whilst half a sleep) I was delayed sending in these details as my Nan passed away but I wrote a covering letter with this information.

 

I have since received a letter from Abbey 4 August 2009 advising me that 'Our research is taking longer than expected because we want to make sure a full investigation is done. I we are unable to complete our investigation beforehand, we will write to you again in four weeks time to let you know who we are getting on.'

 

What should I do as I feel I am being fobbed off by them, could someone please advise?

 

Maggie:-?

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You don't tell us the dates of your previous correspondence so it's impossible to say.

It seems to take about four to five weeks for them to respond to the letters.

 

I will move this thread into the Abbey Forum where you will get more specific help.

 

Regard, Rooster.


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Claims can take up to 8 weeks which is in line with FOS timescale on complaint handling.

How long is it since you sent the claim to Abbey?

 

 

 

 

enamae


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

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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I sent my first Hardship letter to Abbey on 6 July 2009

I received a letter from Abbey in reply to this on 13 July 2009

I then sent my paperwork back to Abbey on 29 July 2009 (slightly delayed due to Nan passing away)

I received a letter from Abbey on 4 August 2009 telling me there is a dealy and hope to get back to me in the next 4 weeks

 

Lisa

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It appears to me that all is progressing normally.

I know that, if you are the one who is waiting, it really seems to drag, but I don't think you have anything to worry about yet. As I said, the average timescale seems to be 4 to 5 weeks.


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can someone help me on this too please. i sent abbey hardship letter june 23rd and not had anything back yet. whats the next best letter to send now that theyve had their 40 day period???

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Hi, Thanks everyone for your help, I had a good response and had £6500 worth of charges refunded due to our hardship problems, they did not refund any interest charges but on the other hand they did not say it was in full and final settlement so I am assuming I can get this once the case has gone through court? does this sound about right?

 

Lisa

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wow well done you!! thats fab news, am dying to know how??

 

abbey have sent me a cheque for a tiny amount of what im appealing for and said case is on hold pending OFT.....am desp for more as am in massive arrears with mortgage and bills and struggling to live quite frankly.

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Hi, Thanks everyone for your help, I had a good response and had £6500 worth of charges refunded due to our hardship problems, they did not refund any interest charges but on the other hand they did not say it was in full and final settlement so I am assuming I can get this once the case has gone through court? does this sound about right?

 

Lisa

 

 

Well done.That's fantastic news.

 

 

 

enamae


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

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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wow well done you!! thats fab news, am dying to know how??

 

abbey have sent me a cheque for a tiny amount of what im appealing for and said case is on hold pending OFT.....am desp for more as am in massive arrears with mortgage and bills and struggling to live quite frankly.

 

Well when they wrote back to me asking for details on hardship, I had so many debt letters people taking me to court, I was behind with my mortgage, council tax and struggling so much so I sent them a copy of every letter to prove that I was really in hardship. Sorry I can't be of to much help Good luck x

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That is brilliant news. Well done!! Enjoy your money :D


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