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Advice re rejection of hardship, please


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I sent my hardship form along with copies of documents to the Edinburgh address and on Tuesday received what I now understand to be a standard reply, that I do not fall under the criteria for hardship. If I don't qualify then their Chief Executive should try living as frugally and see how he manages. I have more going out than coming in, so what exactly is the qualifying criteria?


I rang the number on the letter (an 0845 number where they are making more money with a recorded message stating that claims are on hold - finally got through after pressing all of the options). Spoke to someone who told me to appeal.


I know that this is probably yet another delaying tactic on their part, and I intend to complete my letter today, but has anyone else had any success with an appeal?


When I started my claim, having paid £10 each for statements on 2 accounts, it was immediately before the cases were put on hold. I went into my bank on the day of this decision, to get an up to date print out so that I could submit the next day. I was told by a member of staff in my bank that claims were on hold until a decision had been reached, knowing that I had just received my statements and was about to submit my claim.


Earlier this year I realised that they still had to accept claims and that I had been given the wrong information.


I submitted a hardship claim, but only on my personal account, as I was unsure as to whether business account charges (sole trader) were being accepted as I have read conflicting information and still none the wiser.


The business account was overdrawn and because of circumstances at that time (early 2006), gave up self employment and got a job. The bank collection centre kept phoning and leaving messages asking me to contact them, which I did and left messages stating that I was trying to reply to them. I eventually got through and was told that they were short staffed! The option I was given was to turn the business overdraft into into a loan. I am paying this now with great difficulty and obviously there is interest because it is a loan. The business account had accrued charges, so I am paying interest on their unfair charges.

Does anyone know whether I can claim on a business account?


I became self employed again in 2007 and business and circumstances are dire at present and am living to pay Nat West. I am still self employed but am seeking work and taking on any (rare) casual work that comes my way.


Sorry for the long ramble, but any guidance regarding the hardship claim or the unclaimed for business charges, would be much appreciated.

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Is the account business or personal? I am still not sure but if it is business please hit the report post and ask that it is moved to the business forum.


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

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Is the account business or personal? I am still not sure but if it is business please hit the report post and ask that it is moved to the business forum.



Hi Yourbank,


Sorry that I confused you!


I have had a letter saying that I don't meet the criteria for hardship on my personal account. Have since sent a letter of appeal and rang today to be told that it would be dealt with in the next three weeks.:mad:


Told them that they were dragging their feet and I was going to ring the FOS, which I did. I explained to the FOS about the refusal for hardship on my personal account and explained to them that I had not claimed on the business account as I was unsure of the position. FOS said that I could claim (on the business account) now because they were not awaiting the outcome of the case on business accounts. The FOS are sending me the forms for both personal hardship so that they can look at the banks decision and also for a new claim on the old business account.


I am so angry that they dismissed the hardship claim, when it is obvious to them that income is less than my outgoings at the moment. In 2006 the business overdraft was turned into a loan, so although it is now a loan, part of that were unfair bank charges and I am now paying loan interest on top of the charges. Great way for them to make even more money.


Hope I haven't confused you again. There is a connection between the two (well, 3 because they made my loan into a different account of its own) accounts.


I have no problems with them charging a fair amount, but the £38 a time caused a spiral.


Greedy, greedy banks ( or other words to that effect).

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Good luck Strewth.


I'm at this forum looking for a hardship form to send Lloyds myself. I don't think I'll meet their criteria but having more going out than coming in should be hardship enough.


I've had to leave work due to illness and don't know when I'll be well enough to look for something else. I'm still waiting on a decision on Disability Living Allowance. Funny how they can keep you waiting for months on end. Whether they back date the DLA payments or not, I still have bills to pay now. :mad:




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Hi strewth:)


Just wanted to wish you well with getting your hardship claim upheld by the FOS!


I don't have any experience of NatWest I'm afraid but the outcome will depend on your circumstances of course as each case is different as well as the way each bank deals with hardship complaints.


You should have a look at the announcement on the forum today by BankFodder giving a link to the FOS complaints data which gives the results for individual businesses for the first time - very interesting reading.


Remember, there is always someone here on the forum to offer advice and support when you need it - all you have to do is ask.


Thank you for your support on my thread - it's most appreciated!




Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%


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Swift Advances (settled) Mortgage Charges -Partially refunded


Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%


Sainsburys (settled) Loan PPI - Refunded inc CI +8%


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