kashie V Barclays **Hardship partial refund made**

[slick132]

Hi Cashie,

 

You should keep to written communication so you have a proper paper trail for your case and, when necessary, proof of posting/receipt.

 

Emails will have changed because the BLT staff have changed over time.

[kashie]

Just an update - I posted off my case for hardship to Barclays on the 19th of May, as yet I have had no response.

How long do I need to wait for a reply and if I need to chase it up what do I need to say......any help greatly appreciated.

[slick132]

Hi Kashie,

 

Where did you send the Hardship claim?

 

If it went to a proper address, you should chase this immediately aksing for a proper reply within 7 days or complaints will be made to the FOS and the FSA about their failure to abide by the FSA Waiver conditions.

[kashie]

I posted it to Barclays legal department - along with my financial statement and this letter;

 

Dear Sir/Madam,

 

Notice of Consideration for Hardship Status

Claim reference Number xxxxxxxxx

Account number xxxxxxxxxx

 

 

Please find attached a detailed summary of my financial standing, as evidence in support of my claim/request, be treated sympathetically and speedily in view of hardship.

In making this request, I remind you of your duty to comply with conditions agreed in the waiver of July 2007 and continuation of July 2008 between yourselves and the FSA.

 

I look forward to acknowledgment of this, with an undertaking that you will proceed to process it, as per the requirements of the terms agreed within the waiver.

 

Yours Faithfully

 

xxxxxxxxxxxxx

 

Was this correct?

[slick132]

Chase this up as I said in my post above.

 

Send by Rec'd Del'y and enclose a copy of your earlier letter and enclosures.

[kashie]

Thank you - letter re written and in the post today - will keep you updated.

[kashie]

Seven days - no reply, unless something arrives today, though I dont hold my breath.

So what do I need to do now? Any help please and template letters to go by are appreciated - thanks.

[slick132]

Hi Kashie,

 

Although you gave them 7 days to respond, you need to also be realistic about how such large organisations work. However, as your claim was sent in May, they've no excuse.

 

Send a letter to John Varley's office saying you're frustrated and angered by their failure to respond properly in a Hardship case. Put the letter subject as Hardship Claim - FORMAL COMPLAINT and enclose copies of the letters and schedlues sent in May onwards.

 

John Varley

Group Chief Executive

Barclays Bank PLC

1 Churchill Place

London

E14 5HP

[kashie]

Update - had a response from the bank today they are investigating my claim and will be in touch shortly either by phone or letter. They said investigation could take up to ten working days, and in the meantime I was entitled to contact their debt management team who might be able to help me with my financial planning.

Do you have any idea what happens next apart from sitting back and waiting for a decision?? Should someone call from the bank is there anything I should be careful NOT to say??

[slick132]

Hi Kashie,

 

This is good news.

 

They'll consider your circumstances and make a decision based on them. I doubt you'll have to do anything.

 

Chase them if they haven't replied within the 10 working days.

[kashie]

Thank you - will let you know what happens.

[yourbank]

Barclays have been fairly good recently in that they are refunding a lot of charges up to August 2008. I hope you are one of the ones they refund to.

[kashie]

Barclays refunded £1252.50 which is roughly half the amount claiming.

No contact from them in bank account within 8 days of the 10 stated in letter.

 

Thanks for your help this will go along way to paying off some debts and sorting out kids uniform for september.

 

Thanks again.

[slick132]

Hi Kashie and really pleased to hear they've paid you.

 

Can you confirm if they've told you exactly how the partial refund is broken down.

[yourbank]

Hi Kashie and really pleased to hear they've paid you.

 

Can you confirm if they've told you exactly how the partial refund is broken down.

Under the waiver it would be the period in which the bank considered the person to be in financial hardship. They were reminded of this fact in the letter of 19th March 2009.

[kashie]

No there was no breakdown, just a letter to say that if I didnt agree with the amount that I could go down the complaints route, ie, OFT, and just stating that it will be deducted from the total amount of charges claiming for.

[yourbank]

I think partial success would be nice on your thread, what about you?

[kashie]

No probs and thanks again.