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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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Claiming back bank charges - Hardship cases - Help needed please


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  • 1 month later...
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I did angnnig, against the Halifax, and got about 90% of my charges back.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Goldlady,thanks for your reply,I bet you were well pleased and shocked at the same time its not like the banks to give in so easily.I,m claiming against yorkshire ,they are well taking the p** out of us ,they owe us nearly £2000 in unlawfull charges,and keep on charging.I will deffo give it a try now though.wish me luck .kind regards angnnig

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It was before the outcome of the test case but as far as I can remember it was after the test case had started.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 1 month later...

I found out today that there is an act of parliament that overrides the stay for hardship see below:

 

in July 2007 the Office of Fair Trading agreed with seven major high street banks to a test case to determine the legality of Bank Charges. This effectively has put all claims on hold until the case is decided. However, there is an Act of Parliament which over-rides this if you are in receipt of any of the following benefits.

Income Support

Tax Credits

Child Benefit

Job seekers allowance

Incapacity benefit

Disability living allowance

Attendance Allowance

CSA payments

Other DWP payments.

These benefits are granted to stop hardship and are designed to meet basic day to day needs, and are protected under the Social Security Administration Act 1992 sub section 187. This stipulates that the bank can not apply any charges to money received as benefit, and any such charges are unlawful and therefore disallowed.

 

Hope this helps

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Hi all,Like a lot of people on here my claim for unlawfull bank charges is on hold.

So after reading this section on hardship I contacted my bank by letter explaining that I am experiencing severe hardship and recieving benefits ,so could really do with the charges they owe me.I sent copies of all the proof that i,m in arrears with ,ie mortgage and houseold bills . 2 weeks later I got a partial result and they sent me a cheque for £315 of the £1,900 they owe me, and stated, me accepting this offer wouldn,t affect my right to be compensated by them for the rest of the charges .I am pleased that i got a partial payment, but I,m thinking of trying to get more as we are so far behind with everything,due to my partner bieng ill and having 3 young kids to support,

any advice much appriciated thanks.regards angnnig

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  • 4 months later...

Hi,

I began to reclaim my bank charges from HSBC in April 2008 the total to date is just over £4000. In Feb this year I had and operation and am unable to return to work as I cannot do my duties but I cannot claim any benefit so I am having extreme financial hardship as my mortgage payments are more than half of my husbands pay leaving us (a family of 4) with only £70 shopping a month. I have claimed hardship and the bank phoned me this morning, Mon 22nd Dec 2008, to discuss this explain that I have proved my hardship.

 

They asked me what arrears I owe and even though they will phone me back in the morning, the impression I got was that I would not see any of the monies owed that it will go straight to my arrears to bring my debt up to date. My arrears at present are with my water rates £250 and one missed mortgage payment of £572 also charges on my mortgage of £841 accumulated throughout the year which has been added to my balance! If Hsbc pay these arrears then I will not benefit immediately from the monies as these arrears from my mortgage will be added onto my account in January and since the interest rate has gone down I will not feel the increase.

Has anyone had the same experience and did they get the money?

 

The bank took the money straight off me in the first place they should give me the money back to do with it as I see fit not for them to decide what I should pay the money to!

 

Please help!!

I need the cash not the arrears paid off as I have come to agreements with my creditors and will be sorted in two months. If they pay these off they will have paid out the best part of £1700 that will not help my financial situation. As the cash could!! And what happens to the rest of the monies owed, will I get that back as well?

Thanks

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