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HI
I have a claim of over £4000 from HSBC for charges. This has been ongoing for months now and their 8 weeks to pay out was up the day before the test case was announced, goiving them the wonderful chance not to pay!!
But as mine was a case of hardship, im a recently seperated single mum with a disabled child and suffer ill health myself, even when i was married we were on working tax credits as husband was a low earner, now my only form of income is child tax credit and disability allowances.
I therefore asked the bank to continue with my claim under the hardship rules, they refused many times so i took it to FOS. Initially they appeared to take the claim on, they said they wrote to the bank (didnt/wouldnt tell me what), I was then asked by the bank to complete and income and expenditure form, which i did and have heard nothing since. FOS sent all the paperwork back. I then contacted FOS again and said nothing from bank so what now, they said return all paperwork, so i did, heard nothing, contacted FOS, was told hadnt been allocared yet (2 months after returning paperwork). Eventually they said they had again written to the bank (wouldnt tell me what).
To cut a long story short, i contacted FOS again a couple of weeks ago only to be told that although they had written to the bank they have not and will not be asking any banks to repay charges, even in hardship cases!! NOW THEY TELL ME!!!! So what they are doing i have no idea, the lady as FOS was rude and not nice made me feel it was all my fault and tough i would have to wait like everyone else and that even then there is no guarantee i will get any money. She said that NO banks were paying out anymore under ANY circumstances (despite me reading on forums that some had, but she wouldnt have it!!!!
I am in a lot of debt and totally reliant on benefits, disabled child and ill health myself.
In one of the letters from the bank they admit that they are aware that my only form of income is benefits, so surely they should be dealing with my case under the hardship rules. They just say that if i am having financial difficulties then i should go to CAB!!!!
I have been left with debts around 20,000 from my marriage split up, so things are desperate, but no one seems to want to listen, just what are FOS supposed to be there for!!!!!
The bank continue to charge me on a monthly basis, around 150 for charges (ive now gotten into the spirral of continuous overdrawn due to them taking my benefit money in charges (FOS didnt want to know about that either)!!
Any ideas anyone
thanks
I have a claim of over £4000 from HSBC for charges. This has been ongoing for months now and their 8 weeks to pay out was up the day before the test case was announced, goiving them the wonderful chance not to pay!!
But as mine was a case of hardship, im a recently seperated single mum with a disabled child and suffer ill health myself, even when i was married we were on working tax credits as husband was a low earner, now my only form of income is child tax credit and disability allowances.
I therefore asked the bank to continue with my claim under the hardship rules, they refused many times so i took it to FOS. Initially they appeared to take the claim on, they said they wrote to the bank (didnt/wouldnt tell me what), I was then asked by the bank to complete and income and expenditure form, which i did and have heard nothing since. FOS sent all the paperwork back. I then contacted FOS again and said nothing from bank so what now, they said return all paperwork, so i did, heard nothing, contacted FOS, was told hadnt been allocared yet (2 months after returning paperwork). Eventually they said they had again written to the bank (wouldnt tell me what).
To cut a long story short, i contacted FOS again a couple of weeks ago only to be told that although they had written to the bank they have not and will not be asking any banks to repay charges, even in hardship cases!! NOW THEY TELL ME!!!! So what they are doing i have no idea, the lady as FOS was rude and not nice made me feel it was all my fault and tough i would have to wait like everyone else and that even then there is no guarantee i will get any money. She said that NO banks were paying out anymore under ANY circumstances (despite me reading on forums that some had, but she wouldnt have it!!!!
I am in a lot of debt and totally reliant on benefits, disabled child and ill health myself.
In one of the letters from the bank they admit that they are aware that my only form of income is benefits, so surely they should be dealing with my case under the hardship rules. They just say that if i am having financial difficulties then i should go to CAB!!!!
I have been left with debts around 20,000 from my marriage split up, so things are desperate, but no one seems to want to listen, just what are FOS supposed to be there for!!!!!
The bank continue to charge me on a monthly basis, around 150 for charges (ive now gotten into the spirral of continuous overdrawn due to them taking my benefit money in charges (FOS didnt want to know about that either)!!
Any ideas anyone
thanks
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