Reported Hardship Settlements from around the interwebby

[The Debt Star]

Re: Reported Hardship Settlements from around the interwebby

Hi. Is there a standrard hardship claim letter I can use? If so can I have a link to it?

[Amethyst]

Re: Reported Hardship Settlements from around the interwebby

FOr bank charges reclaim ?

We have examples to give an idea but no template as it goes on individual circumstances. Will find them.

[Amethyst]

Re: Reported Hardship Settlements from around the interwebby

example HARDSHIP claim letters - Legal Beagles Consumer Forum

Quite old tho, currently you want to look more at section 9 of the lending code, and its more based on stopping future charges, and a refund back to when circumstances changed (if there is a defined line).

Hardship reclaims are often accompanied by cancellation of DDs, downgrading of accounts, stop of debit cards etc.

[pompeyfaith]

Re: Reported Hardship Settlements from around the interwebby

Debt Star,

I would seriousy consider drafting you own letter rather than using a template or if you do use a template edit it and make it your own

The financial industry is waking up to template letters and consider such as anbulance chasing and thus throw out such claims

Give it a go you can alway post it here or in vip for prove reding and editing

[leclerc]

Re: Reported Hardship Settlements from around the interwebby

On my signature is the Lending Code and section 9 is what you need to read in full and understand. You are not arguing for a FULL refund of charges(cos you can whistle dixie is that is your expectation), however, a refund of charges could be agreed if the charges themselves are reducing the income to a level when you are unable to pay essential outgoings as they become due.

[The Debt Star]

Re: Reported Hardship Settlements from around the interwebby

Cheers guys. Very relevant to me at the moment ref the bank's reserve charges.

BTW,

Q. what bank do dogs prefer to use?

A. Barklays

(Chistmas cracker joke from office do the other night. Groan).