Natwest - Hardship Claim turned down

[ruby15]

We have sent in a claim for our charges on our bank account under the hardship ruling, but we have been turned down, what is our next step, as we do not agree as we are in great debt, can anyone help?

[Guest]

Re: Natwest - Hardship Claim turned down

What reason did the bank give for turning down your hardship case?

[scoobydoo]

Re: Natwest - Hardship Claim turned down

Also from the new waiver conditions which did you think applied to you?

In other words why did you think you had a case they would consider?

[ruby15]

Re: Natwest - Hardship Claim turned down

Hi, The bank gave me no reason for turning me down, just that we did not fall within their criteria that falls into "Financial Hardship". The waiver conditions that I think applied to us are:
i. items repeatedly being returned unpaid due to lack of available funds;
ii. failing to make loan repayments or other commitments;
iii. discontinuation of regular credits;
iv. notification of some form of insolvency or court proceedings;
v. regular requests for increased borrowing or repeated rescheduling of debts;
vii. repeatedly exceeding a credit card or overdraft limit without agreement (and, in this regard, where a complainant has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty). What is my next step?

[EXC]

Re: Natwest - Hardship Claim turned down

The FOS will adjudicate on disputed hardship status.

[ruby15]

Re: Natwest - Hardship Claim turned down

Hi, How do I go to the FOS?

[EXC]

Re: Natwest - Hardship Claim turned down

Call or e-mail them first. I'd reccomend you contact Jonathon Locke, Tel 020 7964 0334 e-mail Locke, Jonathan explain the situation and tell him, for obvious reasons, that you need it dealt with asap.

The best time to get him is first thing - he's usually in from 7.30.

[ruby15]

Re: Natwest - Hardship Claim turned down

Many thanks I will do that tomorrow and let you know how I go on.

[EXC]

Re: Natwest - Hardship Claim turned down

Good luck

[ruby15]

Re: Natwest - Hardship Claim turned down

Thank You!!!