BF v Abbey ** SUCCESS **

[Amethyst]

Re: BF v Abbey

excellent fingers crosseded xxx

[bloomingflower]

Re: BF v Abbey

Hi All again!

Well.. Ive just got back from the post offy,after sending off the hardship proof package to Abbey/Ronan.. sent by signed for post. Also have checked my O/Hs emails.. and he gotta response from Ronan.. here it is as follows..its very short and sweet.................

Dear Mr ****

I have received your email and will revert to you when we have had time to examine your hard copy evidence to be received in the post this week.

Kind regards

Ronan


----------------------
Will update on here as soon as we hear anymore................


Bf xx

[Budgie]

Re: BF v Abbey

Well done Jas xx

[Amethyst]

Re: BF v Abbey

lol @ revert

lets hope he's got some quotas to fulfil

[bloomingflower]

Re: BF v Abbey

one must not larf at the Queens English PMSL.. I wonder if that's the same thing as saying "back off matey" or is it revert off matey". it doesnt have quite the same ring to it does it ?LOL

Well, enough of my jargon !!!

BF xx

[bloomingflower]

Re: BF v Abbey

Hi All !

Update.... well.. I have just given Ronan a call just now.. as I wanted to chase up and see if there were any developments regarding my O/hs hardship claim..

He says that he is waiting for Abbey to get back to him.. as they are now busy analyzing all the backlog claims they have received. He will either call us or send letter as soon as he hears back from Abbey. He says he cant do more than that. He says he is sorry that we have to wait. Everyone is calling him asking the same questions and saying that they would like their claims settled as a matter of urgency.


Seems like Abbey are now very carefully scrutinizing all the claims, and they don't want to miss a thing !


Bf xx

[TUTTSI]

Re: BF v Abbey

Hi All !

Update.... well.. I have just given Ronan a call just now.. as I wanted to chase up and see if there were any developments regarding my O/hs hardship claim..

He says that he is waiting for Abbey to get back to him.. as they are now busy analyzing all the backlog claims they have received. He will either call us or send letter as soon as he hears back from Abbey. He says he cant do more than that. He says he is sorry that we have to wait. Everyone is calling him asking the same questions and saying that they would like their claims settled as a matter of urgency.


Seems like Abbey are now very carefully scrutinizing all the claims, and they don't want to miss a thing !


Bf xx

At least they are consistent they just told me the same thing.

xx

[fuzzybrain]

Re: BF v Abbey

Yep, I had the same message too, but he was very nice about it.

What he did say was that if Abbey had not written requesting any additional info then all of the info I had sent in was enough for them to make a decision. He also said that he would expect to know more by the end of the week and wouls hope to be in contact with me by then to discuss Abbey's decision. I hope so, coz I got my statement yesterday and the ratbags are hitting me for another £200 in charges this month :cry:

[Amethyst]

Re: BF v Abbey

blimey honey ! i'll pm you in a sec.

[fuzzybrain]

Re: BF v Abbey

Has anyone heard anything from Abbey re the hardship wavier?

[bloomingflower]

Re: BF v Abbey

Hiya All !

Just a quick update...

I rang Ronan today to see if there was any progress with regards to my O/hs hardship claim.. He has basically repeated the same thing as he said the last time I called. He says he is still waiting to hear back from Abbey and they have just about got round to tackling the back-log of claims they have.
He also says he has received the Income and Expenditure sheet I sent him, which I forgot to send him the first time round.
He did also say that I should hopefully recieve a letter which will be sent out by this Friday (5th September )

However.... since my last post my o/h has been walloped for the amount of £121 in more charges this month.. thus colliding against a standing order for our rent !

I have sent another letter to Ronan to stress the urgency of the situation...


This is a copy of that letter that I have already sent to the Complaints Department and Ronan Coyle on the 26th August... it is basically the same letter as the first one I sent.. but a bit more stronger to reflect current circumstances this month...


Dear Abbey Complaints.

Further to a telephone conversation and as requested by your Abbey representative in your complaints department on the 22nd August 2008. I enclose an income and expenditure budget sheet in regards to my hardship claim. The information/evidence to demonstrate my financial hardship, together with a covering letter has already been submitted to Ronan Coyle (Abbey’s legal representative) at Abbeys Triton Square address on the 5th August 2008.

I also enclose a copy of that covering letter which includes in detail an in depth explanation of my low income and severe hardship situation.

My main reason for calling Abbey complaints was to notify Abbey of my current situation. Since submitting my hardship proof to Ronan Coyle on the 5th, I have incurred more charges totaling the amount of £121, which was debited on the 18th August 2008. These charges have collided and prevented a standing order for my rent account being paid this month, (Aug 2008) as well as other direct debits. You will see by looking at the enclosed Orbit statement of account and Income and Expenditure sheet that I already have arrears showing on my rent account. There is also a high level of arrears owing to Elmbridge Borough Council regarding my Council Tax account, in which I have already stated in my previous correspondence to Ronan Coyle. If this situation progresses any further, I will be in danger of having the suspension of a possession order lifted, which was applied by Orbit Housing Association (Landlord). (Proof of this can be sent on request) As you will know there are timescales involved in regards to meeting my Rent and Council Tax payments, and other financial commitments. The suspended possession order was lifted on agreement that I would not miss a payment and keep up with my rent account.
I started paying Council Tax via the ‘attachment of earnings’ method in October 2006 after Elmbridge Borough Council applied for a Court order, but I am now being pressured by Elmbridge to settle the arrears owing on the account..

The reason I am giving Abbey a 14 day timescale is because I will need to credit both my Rent account and Council Tax demands for this month, and before the next months (September) Rent and Council Tax is due, and to also prevent any further action taken by both Orbit Housing Association and Elmbridge Borough Council. Both Orbit and Elmbridge will not tolerate me to incur further arrears due to the severity of arrears already owing on these two accounts. It is an uphill struggle to keep up with meeting payments each month, as I am incurring charges on top of charges, thus resulting in arrears on top of arrears.

As of today’s date (26th August 2008 ) the arrears owing on rent account stands at £740.32
And also as of today’s date, ( 26th August 2008 )the arrears owing on Council Tax account stands at £3,905.61

Other arrears are demonstrated on the enclosed income and expenditure sheet

In summary, my case is clearly one of genuine hardship, as my previous correspondence and hardship evidence sent to Ronan Coyle makes clear. I cannot stress enough to you the urgency of my current circumstances. In view of this, and given the current waiver criteria and the banking code, I request that Abbey speed the process of making a decision with regards to my claim appropriately and swiftly within the 14-day timescale. .

As of today's date my total claim stands at £6,789.47.

I have also sent a copy of this letter to Ronan Coyle at Abbey, Triton Square, Regents Park address.







Bf xx

[Budgie]

Re: BF v Abbey

Excellent Jas.

An excellent example for anyone else who is also awaiting a response from the Abbey or any other Bank regarding their outstanding request to have their claim processed under financial hardship guidelines as defined in the FSA waiver.

OK, we all know that there is no obligation upon the Bank to proceed with the Court case or refund the charges. However the FSA do expect the Banks to do something to assist Customers in financial difficulty. Merely paying lip service to the FSA's updated waiver is not enough.

Rgds Budgie

[bloomingflower]

Re: BF v Abbey

Excellent Jas.

An excellent example for anyone else who is also awaiting a response from the Abbey or any other Bank regarding their outstanding request to have their claim processed under financial hardship guidelines as defined in the FSA waiver.

OK, we all know that there is no obligation upon the Bank to proceed with the Court case or refund the charges. However the FSA do expect the Banks to do something to assist Customers in financial difficulty. Merely paying lip service to the FSA's updated waiver is not enough.

Rgds Budgie

Hi Bud.. I agree with your above statement. This is exactly what they are doing at the moment.. paying lip service. Complaints dept know full well my o/hs claims are being looked at and we are still being charged. They have not stopped further charges. This is the main reason why I had to write to them again to stress the severity of our situation.. This months charges have collided with our rent, this has never happened before. This month has been a disaster. Normally every month we make sure that our rent goes out and it is our first priority before anything else, but when you get clobbered with charges, those charges become priority.

Am not asking for a pot of gold and we know they are not obligated to refund charges.
Just want them to understand our financial difficulties and make a speedy decision as time is not on our side and we cant afford the luxury of waiting another few weeks/ months for decisions to be made.



I guess I will wait til this Friday, to recieve any kind of reply from Ronan/Abbey (give them the benefit of the doubt lol) but if it is gonna drag on and on.. I will be writing to the FSA.

Bf xx

[TUTTSI]

Re: BF v Abbey

Hiya BF,

I see that Ronan is still consistent with the Friday promise!! but did he actually say which Friday!!

Lets keep fingers crossed that Abbey very soon consider all our hardship claims and at the very least they should stop further charges being added as this is quite clearly putting further financial pressure on you.

With Laddi's they did settle a fair sum of money to help her out of her financial dificulty so lets hope that they will look at each and every claim on their own merits and settle very soon.

I am keeping my fingers crossed for you hun.

xx

[fuzzybrain]

Re: BF v Abbey

BF, I have just posted further info re the settlements on another thread - I think it is Abbey Hardship Claims re my phone call with Ronan today. It probably isn't much miore than you already know, but if I hear any other news re this I will post immediately.