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How do i claim through hardship??


BECKY X
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Hello all,

 

I have previously had a case on hold with abbey regarding their unlawful bank charges but they seem to have won their case and it seemed at the time that that was the end of it all but since, i have read on this site that you can claim if at the time you were in hardship. I didnt realise this and whilst alot of my charges were being applied to my account i had lost my job and was receiving benefits. I also had to declare myself bankrupt back in 2007 due to financial difficulties.

 

I was also helping my parents re-claim their chrges. My mother is disabled and my dad is her carer. they were and have been receiving benefits for several years.

 

My question is, what is the best way to try and claim through the hardship process? Shall i contact my bank directly and explain? Is there a template available or shall i send my own personal letter explaining the situation or have i left it all to late due to them now winning their case?

Edited by BECKY X

ABBEY: Owed £1.140 :mad:

06/07/06 - Requested Statements

07/08/06 - Request For Repayment Letter Sent Totaling £1,140

29/08/06 - LBA Sent

15/09/06 - Received reply offering £570 as a final settlement

25/09/06 - Accepted offer but ONLY as a partial repayment, & notified them that i am still going to persue for the remainder of the money

01/10/06 - Set up court date

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