clayts vs Nationwide - hardship

clayts · 5th May 2009, 16:19

I've submitted a hardship autolinker.com autolinking image

claim (and upped my original claim from 2006 from 385.50 to 505.50) to Nationwide today, so we'll see what bobbins they come back with.

I pointed out in my letter I was in arrears on all of my priority debts (rent, council tax, water, gas, electric), and that I am in receipt of benefit. I also enclosed an income/expenditure form (which rather handily showed my expenditure as exceeding my income - crumbs, no wonder I'm struggling !).

I'll keep you all posted on how it goes, but I suspect from previous stories on here that they won't be caving in easily

Jamesx81x · 6th May 2009, 16:51

They will come back with the bull cack of the charges did not cause you financial harship so they will not be returning them. They do not acknowledge the FSA's guidelines and the fact that people or genuinely in hardship autolinker.com autolinking image

.

After 2 letters of ****e i have reffered them to the fos autolinker.com autolinking image

.

PatsyB · 27th June 2009, 12:52

Yep- just received the same letter from them this morning.

fuzzgun19 · 3rd July 2009, 12:33

So, if they say you are not in hardship autolinker.com autolinking image

(in their opinion!), what's the next step?

Would we have to wait until this test case autolinker.com autolinking image

thingy is over, or is there something else we can do?

PatsyB · 4th July 2009, 10:17

I have written to point out that we both know that the hardship autolinker.com autolinking image

form was completed to show that they needed to expedite the matter, not to justify the overdraft autolinker.com autolinking image

. Have also advised that I am aware that the overdraft and it's charges are partially made up of earlier charges and that I have not, calculated as yet the proportion of these costs (and therefore how much more they owe me) but may now do so. Also pointed out that as my husband is now redundant autolinker.com autolinking image

the £250 a month they have forced us to pay off the overdraft will reduce to a negligible sum from next month.

Have also given them seven days to reply otherwise I will take legal action and asked the fos autolinker.com autolinking image

for a view on whether they would intervene. This weekend's job is to send the official notice letter and to complete court forms.

yourbank · 4th July 2009, 10:21

Quote:

Originally Posted by PatsyB

I have written to point out that we both know that the hardship autolinker.com autolinking image

form was completed to show that they needed to expedite the matter, not to justify the overdraft autolinker.com autolinking image

. Have also advised that I am aware that the overdraft and it's charges are partially made up of earlier charges and that I have not, calculated as yet the proportion of these costs (and therefore how much more they owe me) but may now do so. Also pointed out that as my husband is now redundant autolinker.com autolinking image

the £250 a month they have forced us to pay off the overdraft will reduce to a negligible sum from next month.

Have also given them seven days to reply otherwise I will take legal action and asked the fos autolinker.com autolinking image

for a view on whether they would intervene. This weekend's job is to send the official notice letter and to complete court forms.

Patsy, do you have priority debt arrears(mortgage/rent, utilities, council tax)?
Are any of the priority debt arrears being paid off?
Can I clarify you have claimed since July 2001 under hardship?
A court will stay any claim you make pending the OFT test case autolinker.com autolinking image

issues resolution.

PatsyB · 4th July 2009, 10:46

No priority debts. Moved to small house last year to pay off mortgage and are just managing to keep heads above water. I claimed under hardship autolinker.com autolinking image

in June 2009. I thought that some courts are hearing cases? I assumed if you could prove hardship then they would hear the case.

PatsyB · 4th July 2009, 10:49

PS: who do I write to at the FSA to report Nationwide?

yourbank · 4th July 2009, 10:54

Quote:

Originally Posted by PatsyB

No priority debts. Moved to small house last year to pay off mortgage and are just managing to keep heads above water. I claimed under hardship autolinker.com autolinking image

in June 2009. I thought that some courts are hearing cases? I assumed if you could prove hardship then they would hear the case.

No courts can't and you aren't a hardship case as defined by the waiver autolinker.com autolinking image

because there are no priority debt arrears and you can spend time going to the fos autolinker.com autolinking image

but honestly they will say No.

PatsyB · 4th July 2009, 20:17

So if we stop bothering to pay and let ourselves get into trouble they will respond. Not knocking people who are in arrears, but we are going without to keep out of debt. Marvellous. Why on earth do we bother? From this month we will have a joint income of about £500 a month and outgoings which exceed this. If that's not hardship autolinker.com autolinking image

, can someone explain this new meaning of the word?

yourbank · 4th July 2009, 20:24

Quote:

Originally Posted by PatsyB

So if we stop bothering to pay and let ourselves get into trouble they will respond. Not knocking people who are in arrears, but we are going without to keep out of debt. Marvellous. Why on earth do we bother? From this month we will have a joint income of about £500 a month and outgoings which exceed this. If that's not hardship autolinker.com autolinking image

, can someone explain this new meaning of the word?

Yes, it is debts than can lead to the loss of your home(mortgage), you liberty(council tax) or basic necessities(water/gas/electricity) or loss of job(HP on car).
Nationwide will only payout if there are priority debts and the hardship was caused by their charges ie that a lifestyle change(i.e loss of job) and the charges since then contributed to the hardship on priority debt arrears.

clayts · 10th July 2009, 21:52

Give Nwide their due - they did refund me £120, which were charges levied in 2007/8. The remaining charges were all before my financial woes, apparently, but that part of the claim remains on hold...

Every little helps, even though it took a month of letters and phone calls autolinker.com autolinking image

to get to that stage.

5th May 2009, 16:19	#1 (permalink)
clayts Basic Account Holder We need funds Please donate something Cagger since : Jun 2006 Posts: 371	clayts vs Nationwide - hardship I've submitted a hardship claim (and upped my original claim from 2006 from 385.50 to 505.50) to Nationwide today, so we'll see what bobbins they come back with. I pointed out in my letter I was in arrears on all of my priority debts (rent, council tax, water, gas, electric), and that I am in receipt of benefit. I also enclosed an income/expenditure form (which rather handily showed my expenditure as exceeding my income - crumbs, no wonder I'm struggling !). I'll keep you all posted on how it goes, but I suspect from previous stories on here that they won't be caving in easily __________________

6th May 2009, 16:51	#2 (permalink)
Jamesx81x Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Apr 2006 Posts: 682	Re: clayts vs Nationwide - hardship They will come back with the bull cack of the charges did not cause you financial harship so they will not be returning them. They do not acknowledge the FSA's guidelines and the fact that people or genuinely in hardship. After 2 letters of ****e i have reffered them to the fos.

27th June 2009, 12:52	#3 (permalink)
PatsyB Basic Account Holder Our auction sniper is now live. Try it for free Cagger since : Jun 2009 Posts: 6	Re: clayts vs Nationwide - hardship Yep- just received the same letter from them this morning.

3rd July 2009, 12:33	#4 (permalink)
fuzzgun19 Basic Account Holder Your bank owes you an awful lot more money than you realise See here Cagger since : Sep 2006 I am in: North East England Posts: 231	Re: clayts vs Nationwide - hardship So, if they say you are not in hardship (in their opinion!), what's the next step? Would we have to wait until this test case thingy is over, or is there something else we can do?

4th July 2009, 10:17	#5 (permalink)
PatsyB Basic Account Holder Worried about companies stealing your signature? Use our new digital signature service Cagger since : Jun 2009 Posts: 6	Re: clayts vs Nationwide - hardship I have written to point out that we both know that the hardship form was completed to show that they needed to expedite the matter, not to justify the overdraft. Have also advised that I am aware that the overdraft and it's charges are partially made up of earlier charges and that I have not, calculated as yet the proportion of these costs (and therefore how much more they owe me) but may now do so. Also pointed out that as my husband is now redundant the £250 a month they have forced us to pay off the overdraft will reduce to a negligible sum from next month. Have also given them seven days to reply otherwise I will take legal action and asked the fos for a view on whether they would intervene. This weekend's job is to send the official notice letter and to complete court forms.

4th July 2009, 10:46	#7 (permalink)
PatsyB Basic Account Holder Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : Jun 2009 Posts: 6	Re: clayts vs Nationwide - hardship No priority debts. Moved to small house last year to pay off mortgage and are just managing to keep heads above water. I claimed under hardship in June 2009. I thought that some courts are hearing cases? I assumed if you could prove hardship then they would hear the case.

4th July 2009, 10:49	#8 (permalink)
PatsyB Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Jun 2009 Posts: 6	Re: clayts vs Nationwide - hardship PS: who do I write to at the FSA to report Nationwide?

4th July 2009, 20:17	#10 (permalink)
PatsyB Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Jun 2009 Posts: 6	Re: clayts vs Nationwide - hardship So if we stop bothering to pay and let ourselves get into trouble they will respond. Not knocking people who are in arrears, but we are going without to keep out of debt. Marvellous. Why on earth do we bother? From this month we will have a joint income of about £500 a month and outgoings which exceed this. If that's not hardship, can someone explain this new meaning of the word?

10th July 2009, 21:52	#12 (permalink)
clayts Basic Account Holder Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : Jun 2006 Posts: 371	Re: clayts vs Nationwide - hardship Give Nwide their due - they did refund me £120, which were charges levied in 2007/8. The remaining charges were all before my financial woes, apparently, but that part of the claim remains on hold... Every little helps, even though it took a month of letters and phone calls to get to that stage.