Lose the Shabbey Habit

[Tazzman]

Hi Everyone,

 

I have just been reading boston3603 hardship case and I am in a similar position with abbey and I am looking for some advice/help. It has been such a long time since I posted here I am a bit confused and lost in the whole forums, so I hoping some one could help me through it please.

 

At present my claim is stayed at derby county court for £8212 (as of last year). I have just received a letter from abbey saying that they are taking away my £1200 overdraft as from 1st Jan 2009. Once they do this I will be in deep dodo. I have been off work for the last 3 years because I had spinal surgery and I am only on half pay, so there is still around £1000 per month going into my account. I am slowly drowning and i don't know where to go now. Mortgage & other stuff is is starting to slip and when my O/D is taken away I will be left -£1200 down. Only ay I can see to resolve it is for me to put in a hardship case. Do I send this to abbey, the court or the FSA? Please help.

 

I've also started a new thread so I don't take over bostons thread.

[boston3603]

After ringing up to ask why our plea for hardship was taking so long, next day got a letter saying we are not considered hardup enough which is why as from this friday, we will be applying for BR. I am seriously thinking now of telling them to reconsider as we will be BR soon. So although we wont get back the 11000 the bstards owe us, neither will abbey get back the 3000 OD. I stopped paying all my creditors last month, including payments to reduce the OD. For every 15 quid I paid, they slapped on OD service charge of 15.00:rolleyes: If you can, you have to ask what frightens you more. Staying in this situation and have the feckers squeeze the life out of you or go BR....although it is much easier for me as I do not own my home. Keep reading through this place...it is fab and you will find loads of support and inspiration.

I wish you all the very best.

Hazel

[boston3603]

I have read in the paper today that the banks have been given yet another six months grace to sort themselves out. They are putting off paying out by appealing here there and everywhere. They are still however hammering people with charges and being allowed to do so. Something has to give surely.

[yourbank]

I have read in the paper today that the banks have been given yet another six months grace to sort themselves out. They are putting off paying out by appealing here there and everywhere. They are still however hammering people with charges and being allowed to do so. Something has to give surely.

It's called the FSA Waiver which has simply been extended since the OFT Test case issues have not yet been completed.

[boston3603]

Right......................exactly WHERE do we all stand with the charges on hold now?? Are we waiting for anything in particular or should we be doing something?

 

Very miffed....its been such a long wait for everyone.

[KnellyK]

Well, we're waiting to make sure that - when we go back to the court to rescue our stayed claims -we have all of the information so that we need.

 

 

 

The good people of CAG are working hard behind the scenes, we just need to be patient for a little bit longer. I'm sure that when the new information is ready there'll be an announcement!