can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

[Budgie]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

Hiya Sherwood

Send to Head office

Lloyds TSB plc
25 Gresham Street
London
EC2V 7HN

or to shortcut things

send to


Lloyds TSB plc
Copy Statement Unit
Swallow House
10 Swallow Street
Birmingham
B1 2AL


Your letter is fine !!!

[1sherwood]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

also can you just tell me if this is 100% correct,i send that letter of with a ten pound fee,then can do nothing for 40 days or until they reply,then i come back on here and ask for the next stage?

thank you for all the help btw,very much appreciated

[Amethyst]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

lol noooooooooooo send that off whenever tmw be good, then come here straightaway and read post #8 - Legal Beagles - View Single Post - can you make a hardship claim if? ( 1Sherwood v Lloyds TSB ) - or do that now and we can start on hardship letter.

SAR letter is just to get things started on the reclaim front.

[1sherwood]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

lol ok will write letter out tonight
then i need to change banks ?
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i'm really sorry,my illness gets me confused and my attention span is very short,so i think its best if i write this letter out tonight and post it then come back on tomorrow.dont want to try your patience
thanks again see you tomorrow

[Amethyst]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

okay no problem and don't worry I have the patience of ummmm....dunno actually, but you won't try it anyway. Will help all we can.

[Birdie]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

lol ok will write letter out tonight
then i need to change banks ?
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i'm really sorry,my illness gets me confused and my attention span is very short,so i think its best if i write this letter out tonight and post it then come back on tomorrow.dont want to try your patience
thanks again see you tomorrow

Hello Sherwood

My husband and I have an overdraft with Nationwide Building Society - we've now stopped using the account and have opened a basic bank account with Natwest, which we actually did online and have contacted child benefit, tax credit, etc etc to have any monies paid into that. It is great to know that we can now actually budget without the unpredictable bank charges and interest.

We're now following the hardship route with the help of the guys and gals on LB which is so much appreciated by us.

HLG43

[Tempty]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

Hi Sherwood, welcome to beagles.

please don't worry if all this seems to be in a foriegn languge to start with, trust me you will soon pick it all up and remember NO question is a daft question.

In my opinion my first port of call would be Lloyds Customer Services Center 0845 600 6299.

These are the people that have the power to help you now!! Explain your circumstances and change in income you can follow up with a letter afterwards. Lloyds do seem to be playing a much fairer game right now and should certainly be able to freeze interest on your account and may even be able to block any further charges.
They may suggest things like downgrading your account, removing cheque book facility etc ... that's all fine. DO NOT however let yourself get talked into a loan.... if that starts to happen ... hang up... we'll deal in writting only.

have a read of a few of the hardship claims in this forum ... it may give you a clearer idea.
I gotta run for now, but i'll be back in the morning

[shooter]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

Hi sherwood
I'm glad you took my advice to come over here, as you can see the guys on here are proactive with their advice and are a really caring, knowledgeable bunch who will help you as much as they are able to.

I was the first to have contact with Joh Bundy at LLoyds and he seems a helpful bloke who will help if he can and he's the first person from LLoyds who has done everything that he said he would.

I will watch you thread with interest.

I can only advise you to listen to these guys and hopefully you will get the help you need from LLoyds

ShooterXX

[1sherwood]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

i really am thankful to you all,its very very humbling

today i posted the the letter to swallow house,recorded delivery and postal order for 10 quid.was quite funny in the post office because i lose words when speaking and the post office worker didnt have the patience for me offered me a 10 quid mobile top-up card because i couldnt explain what i wanted 10 quid ..sort of cheque thingy
anyways if you could bear with me ,i can only do 1 thing at a time
1st thing (letter posted) is done
what do i do now? prefarlby avoiding phone calls.but if it has to be that then it has to be that.jeez this is gonna sound so ungrateful but i really really dont mean it to be,could i please just take the advice of 1 person amethyst if at all possible so i can literally do it 1 step at a time.my brain picks and choses when it wants to work and to much advice overloads the brain filter...i really hope you understand ...thanks

[Amethyst]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

awww its fine, don't worry. I also have a fear of the telephone so I do understand a bit, and I know it can get confusing when lots of people chip in. I'll try and give you step by steps to deal with the case, you have done the first step so well done

Okay next step - Income and Expenditure sheet.

If you can answer the bits below I can work them into a letter for you to send to Lloyds to ask to be considered as in hardship and for them to treat you as such.

These will be quite in depth, sorry.

If you would rather not have the information posted on the forum then send it to me as a private message.

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Amount of Arrears on Mortages
Normal Mortgage Payment amount
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Any other debts ? List amounts outstanding and monthly payments, and any issues with arrears etc.
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Overdraft on your account and current balance
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Income - list benefits/income - include housing and council tax benefits
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Outgoings - list outgoings - specify if monthly or weekly - mortgage, council tax, gas, electric, water, food, telephone, and anything else essential.

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Any changes in circumstances within the last year - if you can a brief outline of your illness would help too.
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If you have recent statements, an approx amount how much charges you have evidence of while you wait for the DPA info to be returned.
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Okay I realise that will take a couple days to sort out but I will keep an eye for when you done.
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Then we'll put that in a letter to Lloyds outlining your situation and asking for assistance under the banking code and a halt on charges, explaining you have started the process to reclaim past charges.
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If you don't understand anything please just ask and I will try and help as much as I can. Once I have this info I'll get you to get your money moved to a different account and ditch lloyds.

[1sherwood]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

how do i do a private message?

[Amy]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

Very top right of the screen under Hardship Claims Assistance

[Paule]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

Or Click This

Send New Message

[1sherwood]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

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Amount of Arrears on Mortages
Normal Mortgage Payment amount
------------------------------------------------------------------------------------------------------------------
arrears are 750ish
normal payments are 514
paying 600 to reduce the arrears


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Any other debts ? List amounts outstanding and monthly payments, and any issues with arrears etc.
------------------------------------------------------------------------------------------------------------------
have 2 x 5k loans
owe approx 2.5k and 3.5k on them
pay 100 and 104 a month
no arrears issues..yet


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Overdraft on your account and current balance
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have a 3k overdraft
current balance is -4k



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Income - list benefits/income - include housing and council tax benefits
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wife earns approx 540 a month after tax
lower rate dla-71 month
lower rate mobility-71 month
long term incapacity-380 month
child benefit-75 amonth
no council tax benefits

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Outgoings - list outgoings - specify if monthly or weekly - mortgage, council tax, gas, electric, water, food, telephone, and anything else essential.

------------------------------------------------------------------------------------------------------------------
mortgage 600 a month
council tax 114 a month
gas 50 a month
electric 90 a month
water 28 a month
food 500 a month
telephone 40 a month
loans 204 a month
car/petrol/tax 100 a month

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Any changes in circumstances within the last year - if you can a brief outline of your illness would help too.
------------------------------------------------------------------------------------------------------------------
bronchieatis,asthma,vertigo,depression,panic attacks,single sided deafness,now under another consultant for hands /arms not working from nerve pressure.
due to illness,claiming incapacity benefit from august 07 and disability allowance from jan 08


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If you have recent statements, an approx amount how much charges you have evidence of while you wait for the DPA info to be returned.
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would say 2k ish


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Okay I realise that will take a couple days to sort out but I will keep an eye for when you done.
---------------------------------------------------------------------------------------------------------------------------------------------------------------
Then we'll put that in a letter to Lloyds outlining your situation and asking for assistance under the banking code and a halt on charges, explaining you have started the process to reclaim past charges.
---------------------------------------------------------------------------------------------------------------------------------------------------------------

If you don't understand anything please just ask and I will try and help as much as I can. Once I have this info I'll get you to get your money moved to a different account and ditch lloyds.

sorry for the delay

[Amethyst]

Re: can you make a hardship claim if? ( 1Sherwood v Lloyds TSB )

Have just done your Income Expenditure form and as things stand with the above figures (have added £20 for house insurance per month and £11 for TV licence) you have a defecit of £534 a month.

Your income is £1137 per month and your outgoings (including the loan payments of £204 and the additional mortgage payments to clear arrears) are £1757 per month.

So some work needed to juggle things about a bit. Lloyds constantly taking charges from you and adding to your overdraft really isnt helping....so to get those stopped has to be a priority.

To be honest I would go and open a new account - a basic or a post office account and have your income paid in to there. Leave the overdraft and we can deal with that on a repayment basis later.

At the current rate things are you won't be able to maintain the payments on the overdraft or the loans and have enough to live on, pay mortgage rent and council tax.


Have you checked your entitlement to TAX CREDITS - working and child tax credits ? I think you should be entitled to those - possibly £130 a month so have a look into it. ( try Start Calculation )

You could also get council tax benefit (not a lot)