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Bank Charges/Hardship- latest letter

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  • Bank Charges/Hardship- latest letter

    Hi everybody,
    I haven't been around as much as the dreaded 'lurgy' finally caught up with me (the cold bug/flu type thing- not the DCA's;-0) so been feeling pretty yuk to put it mildly... and still got the hacking cough and no energy (but its just a cold, nothing serious-just inconvenient).
    Anyway, I'm somewhat confused with the bank and their handling of my claim/complaint etc under hardship. The last correspondance I had, prior to this letter (which I posted up last week or around ten days ago?), pretty much said 'no way, go away'. Then this came the other day. It looks pretty standard except for a paragraph on the second page, which refers to my hardship claim and says they note further information had been requested by their debt management dept and saying (quote) ...' I strongly recommend that this information is provided as soon as possible to allow a full review of my circumstances...'

    For my part, I feel like I'm going crazy or missing some basic point as I have sent them all the information they requested (ie, income expenditure statements, proof of income, proof of utility bills, etc etc etc... in fact, twice. Weeks ago, back in October.
    I got letters for a while apologising for delay and saying they were 'still investigating' etc, but to me, it seems they haven't done anything to address my claim under hardship, other than bide their time and skirt atound the supreme court outcome/OFT issues. I just feel like I've been led around in circles and strung along with no real outcome. If they'd actually made a decision based upon all the info they've had from me and given legitimate reasons as to why they can't or won't help, then I could at least know I'd done everything in my power to fight my corner and 'move on'. However, to me, this is just not an acceptable conclusion to months of supposed ly 'investigating my case'. Or am I expecting too much? I'm going to post their latest 'offering' and once again, ask your help in how I might proceed with this?
    I also got another letter within 2 days of this one asking that I phone and speak to them. I haven't rang yet as I wanted to get your advice first as to why they might want me to phone (given they've effectively said they won't help or atre satisfied with their own dealing of my case?). I just don't want to blow any potential chance that they might actually agree to repay some of the £5,000 plus charges they've taken from me, since I've yet to receive anything and never did get any interim refund or anything. (I realise my chances are probably very slim but I feel I can't give up as they haven't been fair at all.).
    OK, sorry again my use of language seems to have completely taken leave and what's left is a tad woffly.... ( on top of this, things look like they're about to get worse still; as I was summoned for one of the infamous ESA medical assessments on saturday morning. It didn't go too well as I was late for it (had to stop cab to get out and be sick!! cos I was so stressed about it). Then the questions they ask, which they award you points for, are so limiting and really quite irrelevent to my disability... I tried explaining this to the poker face who was assessing me, whilst being completely honest, but my gut feeling is the next slap in the face will having ESA revoked and having to go through appeals process with this too. Knock on from that was I just didn't have the energy to get to my own appointment with specialist at endocrinology yesterday morning. So, everything's a bit of a mess to be honest and feeling like I'm about to sink. (But still got a bit of fight left- sinking aint an option when there's little uns to think about). Anyways my friends, that the recent goings on with me and mine. Once again, thank you for your patience in reading this and in advance (as well as retrospectively) for all help and advice.
    Hope everyone is hanging in there. I know I'm not the only person having a tough time; your strength and commitment is always a source of rock solid support and comfort.
    Thanks LB's. Hugs, CatXXX
    PS will upload letter next x

    Paper clips - the larval stage of coat-hangers!

  • #2
    Re: Bank Charges/Hardship- latest letter

    Recent letter from co-op smile - re hardship claim.

    Paper clips - the larval stage of coat-hangers!

    Comment


    • #3
      Re: Bank Charges/Hardship- latest letter

      That letter is a standard bank charges one, ie it is being sent to everyone regardless of financial hardship.

      Comment


      • #4
        Re: Bank Charges/Hardship- latest letter

        Hi Nats,
        is there any point in me firing off a reply/response to this or just 'wait & see?' I get the impression they seem satisfied that they've 'done their bit'. I don't think they've done anything but go around in circles and procrastinate. X

        Paper clips - the larval stage of coat-hangers!

        Comment


        • #5
          Re: Bank Charges/Hardship- latest letter

          The letter sounds and looks like it is not one with regards to financial hardship but one about bank charges complaints. If your circumstances have changed since your application about financial hardship then by all mean update them.

          How long has it been?

          Comment


          • #6
            Re: Bank Charges/Hardship- latest letter

            Hi Cat

            I had responded to you with an outline of a letter which was to be addressed to the Chief Exec Officer and the details are all on your other thread http://www.legalbeagles.info/forums/...811#post147811 Please try and keep one thread going as it is hard to advise when you have more than one thread going on the same thing.

            Your claim for hardship was initially sent in well before the FSA waiver rules on hardship expired and imho was not dealt with during this time and the only person who I believe can could help you at this stage is the CEO.

            Tuttsi xx

            ps I do hope that you are now better?

            Comment

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