Hi All
I was wondering if anyone could direct me in the right direction regarding my next step to reclaiming my bank charges under a hardship case. I think i'll have to give some back ground, so everyone can appreciate where I am at, at the moment.
Last year (Aug 2007), I suffered a breakdown lost my well paid job as a consequence. I eventually registered for benefits in January '08 and have been receiving benefits since then. After therapy and good ole anti depressants, I've slowly snapped out of my sorry state and started looking for work in July 08. Even though I've been unsuccessfull to date, I am positive & looking very hard, and understand that the economic state might force me to take on a whole new career path. (I was in Investment banking before, so almost no chance of continuing in that line for the next year at least).
Needless to say, I have outstanding debts, maxed credit cards and a Lloyds debit card (Current account) with an overdarft limit thats also been floating on the limit every month. I tried opening a basic account with halifax in July'08, but was turned down for reasons not explained. So at the moment, benefits are being paid into my Lloyds Current account, and after penalties and rent have been paid. Im left with scraps to live on.
15 Nov 08 - I sent a formal letter to Lloyds TSB, reclaiming all charges, and also requesting it be dealt with as a hardship case. Also mentioned the "Social Security Administration act 1992" as a means of hopefully freezing all further penalty charges coming out of my account.
18 Nov 08 - Received a letter from Lloyds with a reference case number, and stated that the case will be dealt within 4 weeks.
20 Nov 08 - Received a letter from Lloyds. (Basically saying the case will be on hold untill OFT decision and court appeal have been finalised)
I have inserted 4 of the paragraphs from their letter..
Seeing as all bank charge court cases are automatcally being held and my funds are low, should I even bother to register a case at this point?
Any help would be appreciated!
I was wondering if anyone could direct me in the right direction regarding my next step to reclaiming my bank charges under a hardship case. I think i'll have to give some back ground, so everyone can appreciate where I am at, at the moment.
Last year (Aug 2007), I suffered a breakdown lost my well paid job as a consequence. I eventually registered for benefits in January '08 and have been receiving benefits since then. After therapy and good ole anti depressants, I've slowly snapped out of my sorry state and started looking for work in July 08. Even though I've been unsuccessfull to date, I am positive & looking very hard, and understand that the economic state might force me to take on a whole new career path. (I was in Investment banking before, so almost no chance of continuing in that line for the next year at least).
Needless to say, I have outstanding debts, maxed credit cards and a Lloyds debit card (Current account) with an overdarft limit thats also been floating on the limit every month. I tried opening a basic account with halifax in July'08, but was turned down for reasons not explained. So at the moment, benefits are being paid into my Lloyds Current account, and after penalties and rent have been paid. Im left with scraps to live on.
15 Nov 08 - I sent a formal letter to Lloyds TSB, reclaiming all charges, and also requesting it be dealt with as a hardship case. Also mentioned the "Social Security Administration act 1992" as a means of hopefully freezing all further penalty charges coming out of my account.
18 Nov 08 - Received a letter from Lloyds with a reference case number, and stated that the case will be dealt within 4 weeks.
20 Nov 08 - Received a letter from Lloyds. (Basically saying the case will be on hold untill OFT decision and court appeal have been finalised)
I have inserted 4 of the paragraphs from their letter..
"If you are thinking of making a claim through the courts, please note that we will be asking the courts to postpone proceedings about bank charges until the conclusion of the banks' proceedings with the OFT.
We have considered the point you have raised in relation to the Social Security Administration Act 1992, which we believe was directed at section 187. It is our view, and the view of our legal advisers, that debiting these bank charges from an account into which benefits have been or will be paid is not contrary to that provision of the act.
we appreciate that you may have wanted to have your claim dealt with more quickly, but we can assure you we are taking steps to ensure that your complaint will not be disadvantaged whilst the test case continues
From our inestigations, it may be that you are experiencing financial difficulties. To see if there is anything we can do to help, we have forwarded a your details on to our customer support unit. They are our experts in dealing with customers with fin. difficultiey of hardship & can help you review your your finances to see if there's any assistance we can provide. If not yet, they will be in contact with you in a week."
24 Nov 08 - I have just completed a personal budget sheet (Downloaded from here) and also obtained these following details in one of the threads:We have considered the point you have raised in relation to the Social Security Administration Act 1992, which we believe was directed at section 187. It is our view, and the view of our legal advisers, that debiting these bank charges from an account into which benefits have been or will be paid is not contrary to that provision of the act.
we appreciate that you may have wanted to have your claim dealt with more quickly, but we can assure you we are taking steps to ensure that your complaint will not be disadvantaged whilst the test case continues
From our inestigations, it may be that you are experiencing financial difficulties. To see if there is anything we can do to help, we have forwarded a your details on to our customer support unit. They are our experts in dealing with customers with fin. difficultiey of hardship & can help you review your your finances to see if there's any assistance we can provide. If not yet, they will be in contact with you in a week."
Lloyds Customer Service Recovery Centre
Queen's Rd Quadrant
4th Floor
Brighton
BN1 3XJ
0845 600 6299
Should I jump the gun and send Lloyds my completed personal budget? Any ideas of what I should mention in the covering letter for my budget sheet?Queen's Rd Quadrant
4th Floor
Brighton
BN1 3XJ
0845 600 6299
Seeing as all bank charge court cases are automatcally being held and my funds are low, should I even bother to register a case at this point?
Any help would be appreciated!
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