help please - problem

[jayneuk]

Thanks Sea-sidelady. That's the link I used to write this for my witness statement -

 

I am a single mother of two children. I cannot work because I suffer from agoraphobia, panic disorder and depression.

My only income is benefits. I receive no maintenance for my children.

I have more money going out that coming in each month, and am getting into debt. I try to run my bank account as well as I can, but with so little money coming in, it is inevitable that I will sometimes have failed direct debits and other unpaid items. Due to this, I am still receiving bank charges of £30 or £39 a go.

I am also in debt. I owe money to my gas and electric suppliers, my phone bill, another bank, as well as personal debts to my family and friends. I have got behind with nearly all my payments.

As my sole income is from benefits. Benefit payments are set to the minimum level to cover the basic requirements to live on. To allow the bank to continue to charge me these huge charges would cause extreme hardship and deprive me and my children of basic living essentials. In calculating the levels of benefit, the Government did not take into account the extravagent levels of bank charges.

Bank charges reflect a disproportionate burden on those on benefits particularly, as we have no way of boosting our income and limited access to credit to pay off previous charges. Thus once a charge has been applied the likelihood of further charges increases leading to a spiralling effect on our finances.

 

Shall I send it all off now to their solicitors?

[sea-sidelady]

Yes if you have everything you need, then send to the solicitors.

[jayneuk]

ok thank you. I will send it tomorrow, with a covering letter giving them 7 days to respond. (I think thats right).

[Goldlady]

That's what they would do - go for it - best of luck;)

[sea-sidelady]

Yes, and don't forget to inform your bank that you are/have sent the application.

[jayneuk]

Oh, do I need to inform the bank as well as sending it to their solicitors?

[jayneuk]

Oh god, I don't know what I'm meant to include. Does anyone know where this is please? -

 

"This is evidenced by a sample list of settled claims, which is attached."

[sea-sidelady]

It looks good on your claim, if you send letters to the bank aswell.

 

As for the list of settled claims, you don't actually need to send anything just yet, unless requested.

[jayneuk]

But it says it is attached on the witness statement?

[sea-sidelady]

Sorry I thought you were just looking at the hardship page.

 

Yes you send the N244, with the hardship.

 

Settled cases are here...

 

http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=138&Itemid=82

[jayneuk]

That's great. Thank you very much.

[jayneuk]

I've had a computer crash, and lost the stuff for the stay removal before I printed and sent it. Now I can't find the right link. Sorry, but could someone please point me in the right direction of the n244 and witness statement stuff? I need to know what I have to send to apply to have the stay removed on the grounds of hardship?

[jayneuk]

Maybe I should just leave the stay? Just been reading a thread where it says that it's unlikely to make anything that much quicker anyway. Might be best to just wait for the test case? In which case, do I just do nothing? Just sit and wait?

[**Tilly**]

hi jayneuk

here are the links you need

Application for removal of a stay - UPDATED TO ACCOUNT FOR OFT TEST CASE

http://www.consumeractiongroup.c o....ght=ha rdship

Allocation hearing witness statement