Jonski Vs Natwest

[Jonski]

Hi There,

First time poster here. On Tuesday (Oct 7th) I sent my claims letter to Natwest, it is for £722.00. I'll let you know how I get on once I hear something back. I have claimed under hardship rules as I feel I do qualify. Heres hoping.

Cheers,

Jonski

[natweststaffmember]

Re: Jonski Vs Natwest

Jonski, have you completed an income and expenditure form or written with the intention of claiming hardship?
Have you read annex 2. http://www.fsa.gov.uk/pages/Doing/Re...sp_monthly.pdf
A Warm Welcome to the site.

[enaid]

Re: Jonski Vs Natwest

My son has sent in a letter also to Natwest, he has had a reply and an I&E form to fill in that they sent with the letter. He hasn't done it yet as he has only just started work again so things have changed and he needs some advice as he is on a DMP.
I will also keep up to date with your thread if I may and good luck. Enaid x

[Jonski]

Re: Jonski Vs Natwest

Hi natweststaffmember sorry about delay in responding. Yes I did write to Natwest asking to be considered under Hardship, they sent me an I&E form which I sent back to them with a covering letter explaining my hardship reasons, that was last Monday when I posted it, still yet to hear anything, I suppose it could take a while though.
------------------------------- merged -------------------------------
Hi Enaid, no problem I will keep updating on my status. Good luck with your son's claim.

[Jonski]

Re: Jonski Vs Natwest

Just a quick update.

Yesterday (Nov 3rd 2008). I telephoned the NatWest Customer helpline for an update to my complaint. I was told by the lady that my claim, had been passed to their refunds and collections team in Glasgow, (not too sure if that is the exact title) who look at their hardship cases, and that it could take up to 4-6 weeks although hopefully shorter due to the amount of claims under hardship. Does anyone know from experience whether or not this means I have been accepted as being in hardship and any recent timescales for these cases? I understand that even if I am accepted as being in hardship this does not necessarily mean I will be refunded my charges but any info anyone has would be useful.

Thanks again.

John.

[WendyB]

Re: Jonski Vs Natwest

I would think that means that they are looking at it to assess whether they agree it comes under hardship or not. Not sure if anyone has a number for the Glasgow mob, usually the hardship teams don't like their phone number to be known - stops people ringing them up to see how their claim is going!

[Jonski]

Re: Jonski Vs Natwest

Hi There,

I have today spoken to the Natwest Collections Team in Glasgow. They have said they are declining my request for bank charges refunds, because I currently do not have any priority debt arrears where I am facing or about to face court action. I did not think that this was a condition of being in hardship, or is this a Natwest policy of not refunding bank charges, even though they may accept I am in hardship.

Any further information would be helpful.

Thanks

John.

[TUTTSI]

Re: Jonski Vs Natwest

Hi Jonski

Did you send in evidences of your hardship i.e what you are facing court action for and has that progressed ie has it reached court stage, who is the debt for! has a claim been raised against you etc etc. You also need to send them documentary evidences to support financial hardship along with and Income and expenses summary and a letter explaining why you believe that you come under the FSA waiver rules on Financial Hardship. In order to qualify you must refer to the FSA waiver rules and see if your criteria matches with their rules. priority debts are rent/mortgage arrears, electricity,gas,council tax etc, court orders such as suspended possession mortgages etc....

Hi There,

I have today spoken to the Natwest Collections Team in Glasgow. They have said they are declining my request for bank charges refunds, because I currently do not have any priority debt arrears where I am facing or about to face court action. I did not think that this was a condition of being in hardship, or is this a Natwest policy of not refunding bank charges, even though they may accept I am in hardship.

Any further information would be helpful.

Thanks

John.

[Jonski]

Re: Jonski Vs Natwest

Hi Tuttsi,

Thanks for your response. I have already filled in an Income & Expenditure form and all the other bits to say I was claiming under hardship etc. I have explained I think I qualify under hardship as I meet many of the FSA criteria. The reason they gave for refusing me was that as I currently have no priority debts (gas, electricity, council tax, mortgage etc) facing a court order, they will not refund bank charges. I did mention I currently owe this month’s mortgage, but he said unless I had papers saying they were applying for court action they would not consider payment. I do currently have a suspended possession order on my mortgage as I was only days away from repossession in April, not too sure how long they last, I do have the funds to pay my mortgage in my bank so I can’t really use that, as they will see from my account.

I think I get where they are coming from, but my question is can they do this under FSA hardship criteria.

Thanks Again

John.

[TUTTSI]

Re: Jonski Vs Natwest

Hi Jonski,

OK, where are you at with your mortgage arrears are they up to date! or are you still in arrears! Basically, is the suspended possession order still in play.

Do you have an upto date statement showing the arrears! a copy of the suspended mortgage possession from April will support you if you still owe the arrears and this should qualify you for Financial Hardship, as we used it on our claim with Abbey, Halifax and HSBC.

All the best

xx

[Jonski]

Re: Jonski Vs Natwest

Hi Tuttsi,

My original arrears from April are right up to date. I only have this month to pay which I have the money in the bank to do. My problem is and why I think I am in hardship is that after all my direct debits and standing orders are paid I only have £4.21 to live on. This does not include gas and electricity which I pay on a pre payment meter as I have arrears that I am paying off, as part of the tariff, I also have travel to work and other things but they won’t recognise this as hardship because I do not have impending court action on any of my priority bills only a loan which they said does not qualify. When I went through the FSA waiver criteria for hardship I thought hardship should be defined as someone who can’t afford to reasonably live, I know there is a part mentioning court action but didn’t realise you had to have impending court action to be eligible.

Based on the fact I have no priority debts that have impending court action, does this under FSA rules, disqualify me from their hardship criteria.

Thanks Again

John.

[TUTTSI]

Re: Jonski Vs Natwest

John,

You have arrears on Gas and Electricity bills have you got those bills showing that you owe them money as they would be some proof that you are suffering hardship and did you send this evidence to the bank!

Also, on your income and expenses schedule did you show that you were in deficit!

Have you spoken to your mortgage people to find out if the suspended mortgage possession order has now been cancelled if you have paid the arrears as if it is still on going here you have further proof of hardship, you could ask them to drop you a line confirming when the order can be lifted.

We have a suspended possession order and it will stay in place untill all the arrears are fully paid and if we do not make the DD payment on any month it is instant repossession.

I hope that this helps.

Regards

xx

Hi Tuttsi,

My original arrears from April are right up to date. I only have this month to pay which I have the money in the bank to do. My problem is and why I think I am in hardship is that after all my direct debits and standing orders are paid I only have £4.21 to live on. This does not include gas and electricity which I pay on a pre payment meter as I have arrears that I am paying off, as part of the tariff, I also have travel to work and other things but they won’t recognise this as hardship because I do not have impending court action on any of my priority bills only a loan which they said does not qualify. When I went through the FSA waiver criteria for hardship I thought hardship should be defined as someone who can’t afford to reasonably live, I know there is a part mentioning court action but didn’t realise you had to have impending court action to be eligible.

Based on the fact I have no priority debts that have impending court action, does this under FSA rules, disqualify me from their hardship criteria.

Thanks Again

John.

[Jonski]

Re: Jonski Vs Natwest

Hi Tuttsi,

Thanks very much for all the information. I did put on the I&E form about my deficit, but they seem to have disregarded it, even though I have three jobs trying to pay for everything. I also explained my situation was due to a relationship breakup, and I have a son I pay money to each month but that seems to be ignored. I will speak to my mortgage company when I call to pay this months money (which I can only pay due to the fact I received a cheque for £357.00), about the suspended mortgage posession order, I do recall something along the lines of 6 months but cannot be too sure. I did mention today about my gas and electricity arrears but he classed me as not being in hardship because I am currently facing no court action over them.

He said he will be sending out a letter today to confirm their decision, so I may wait for that and see what it says.

Thanks once agin

John.

[scoobydoo]

Re: Jonski Vs Natwest

Do you know if you are going to get the refusal in writing?

If so can you post the answer up ?

We will not give up yet.

I think one last letter as a reply will be in order stating why you are not happy with their reply .

Then we will have to think of next move.

e.g FOS or FSA

[Jonski]

Re: Jonski Vs Natwest

Hi,

From what I can understand they are going to send out a letter to me confirming our conversation today, and their reasoning behind the decision. Whether or not that is the case I am not sure. But whatever I get back I will post. I think the guy who dealt with my query today has shown a total disregard or at best full understanding of my situation.

Cheers.

John.