Millie Cat v Barclays. Hardship Claim **Interim payment paid**

Re: Millie Cat v Barclays. Hardship Claim

[quote=millie cat;100425]

I think this address is the one! Perhaps phone the number 020 7116 4523 and check if this is the correct department to send it.

quote]
Thank you TUTTSI,
I thought i could do this alone when i started,
But you have proved to me that i couldn't
And proved that there are peple out there willing to help and ask nothing in return.
i love you guys x xx x

Millie,

When we all started claiming our Bank and Credit card charges - none of us knew where to start. We have learned from others and our own experiences and want to help others like yourself who would not know where to start. I was helped ginormously with my own claims and recently with my hardship claim against Abbey, where with the help of this site I was sucessfull along with others in obtaining a partial refund.

This is one of the best caring and friendliest sites that I know and I am registered to a few.

I am proud to be a member of Legal Beagles and I am sure your confidence will grow and grow.

I did not have any Barclay Bank accounts so I am not sure what their stance will be, but what I do know is if you do not try you will not know and as much evidences you supply the better that proves your hardship situation.

Keep as all informed....

all the best

xxxx

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

[quote=TUTTSI;100417]I think this address is the one! Perhaps phone the number 020 7116 4523 and check if this is the correct department to send it.

quote]
Thank you TUTTSI,
I thought i could do this alone when i started,
But you have proved to me that i couldn't
And proved that there are peple out there willing to help and ask nothing in return.
i love you guys x xx x

Yes I looked on the other threads to but found only a bunch of them on the barclays thread but not who or what dept it was for i dont want to send it to the wrong place or they will use that as an excuse.

I wasn't sure what claim ref to put on it so i put both like this Bank & Court Ref No's:1002Y88R / 7QZ80882 That looks Ok to me
what do you think.
they cant say i sent the wrong one lol
Millie Cat

I think this address is the one! Perhaps phone the number 020 7116 4523 and check if this is the correct department to send it.

Barclays Legal & Compliance
Litigation & Disputes
Level 29
One Churchill Place
London
E14 5HP


Tel: 020 7116 4523
Fax: 01452 638 447

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

I looked on other Hardship/Barclays and did not find any other address.

See what others think when they come on line.

Also, letter must have your claim ref and account numbers.

x

Yes I looked on the other threads to but found only a bunch of them on the barclays thread but not who or what dept it was for i dont want to send it to the wrong place or they will use that as an excuse.

I wasn't sure what claim ref to put on it so i put both like this Bank & Court Ref No's:1002Y88R / 7QZ80882
what do you think.
they cant say i sent the wrong one lol
Millie Cat

Re: Millie Cat v Barclays. Hardship Claim

Milly I am not too certain but this is the main address:

Barclays Bank plc
Head Office Customer Relations
1 Churchill Place
London
E14 5HP

or and more likely to be this one.

Barclays Legal & Compliance
Litigation & Disputes
Level 29
One Churchill Place
London
E14 5HP


Tel: 020 7116 4523
Fax: 01452 638 447

Krysta Campbell
Tel: 0207 116 4753
Fax: 01452 638359
email: Krysta.campbell@barclays. com


I looked on other Hardship/Barclays and did not find any other address.

See what others think when they come on line.

Also, letter must have your claim ref and account numbers.

x

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Hi.
Does anybody Know the correct name and address for The hardship office at Barclays. Please,
I think I'm ready to send my letter.
Millie Cat x x x x

[Amy]

Re: Millie Cat v Barclays. Hardship Claim

Dear Sirs,

I have recently been made aware of the updated criteria for financial hardship which have been defined by the Financial Services Authority in the updated version of the Complaints Handling Waiver.

I believe that I meet the defined criteria and therefore request that you consider refunding the default charges you have taken from my account, which amount to £4,010.45 as of today's date (29th January 2009). This claim is currently stayed at the Maidstone County Court and has been since 8th August 2007.

I have set out below the reasons I feel that I meet the qualifying criteria:-

2a. evidence of changes in lifestyle, including loss of employment; disability; serious illness; imprisonment; relationship breakdown; death of a partner; starting a lower paid job; parental/carer leave; and starting full-time education.

I have not been in regular employment since 1996. I had no choice but to leave my job to care for my eldest daughter who has a rare blood condition called hereditary spherocytosis. We are struggling financially on one wage but we are finding it increasingly difficult to meet our financial commitments. I am unable to return to work as I have another young daughter.

My Husband's job consists of basic hours only unless he is allocated any overtime. We rely heavily on him working at least 1 hour of overtime per night, but this merely covers the charges applied to our account.

2b (i) items repeatedly being returned unpaid due to lack of available funds;
(ii). failing to make loan repayments or other commitments;

We frequently have a number of direct debits for our loans and house insurance (buildings and contents) returned unpaid. The charges added to this account as a result of these returned direct debits has only added to our financial burden.

(iii). discontinuation of regular credits;

We have had our direct debit discontinued to Virgin Media, our home telephone provider. As a consequence of this we are now charged an extra £5 each month for not paying by direct debit plus £10 per month for late payments, which is a further £15 to find every month on top of an already fully stretched budget.

(vi). making frequent cash withdrawals on a credit card at a non-promotional rate of interest;

Our Virgin credit card has to be used regularly to access cash for the weekly food shop due to our severe lack of funds. The interest rate on this card is very high for cash advances and we cannot obtain a new card with a lower interest rate due to our poor credit history.

(vii). repeatedly exceeding a credit card or overdraft limit without agreement (and, in this regard, where a complainant has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty).

We repeatedly exceed our overdraft limit and charges in the past 12 months alone amount to £1,152. I have been forced to increase my overdraft several times to try and compensate for the charges applied.

I trust that Barclays will agree that my situation is one of significant and severe financial hardship and will undertake to resolve my claim and return the full amount of default charges before my situation becomes even more dire.

Yours faithfully,

Re: Millie Cat v Barclays. Hardship Claim

Hi Millie

No Millie not the £4K stuck in court, just average the amount of charges you are currently paying each month.

Don't forget to to include all your evideces with the letter....

Good Luck

xx

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Hi Millie

Just had a look at this and you have not put in a figure for credit card and bank charges that I could see. I suggest you add that in as well.

Hi Tuttsi,
Were abouts in the I&E form should i put this in step 4 or 6 i have put my overdraft amount in step 4 is that what you ment or are you talking about the £4010.45 bank charges,
Wright back soon Im iching to go now.
Millie Cat

[Amy]

Re: Millie Cat v Barclays. Hardship Claim

No he just hasn't got any overtime.
Is the letter ready for sending or is there anything else i need to add. ?
And i will amend the I&E form.
Please write back.
A Heart felt THANK YOU, all you are all sent from god,
Millie Cat

Almost, I just wanted you to clarify that point. I'll tidy it up with another edit again for you.

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Millie, have your husband's working hours been cut?

No he just hasn't got any overtime. (at lest hes got a job some people like his brother are being made redundent My heart goes out to them)
Is the letter ready for sending or is there anything else i need to add. ?
And i will amend the I&E form.
Please write back.
A Heart felt THANK YOU, all you are all sent from god,
Millie Cat

[Amy]

Re: Millie Cat v Barclays. Hardship Claim

Hi Millie Cat all I can say is keep trying I have just received a letter from Barclays at long last agreeing that I am infinancial hardship with an offer of wait for it £563 on a claim of £13,539.00. I have said its not enough as I have arrears of approx £5,000.00 on mortgage etc. Any ideas what I shoud do now?

Then write back to them Kim and tell them the amount offered is not sufficient to cover your mortgage arrears.

[Amy]

Re: Millie Cat v Barclays. Hardship Claim

Millie, have your husband's working hours been cut?

[skintkim]

Re: Millie Cat v Barclays. Hardship Claim

Hi Millie Cat all I can say is keep trying I have just received a letter from Barclays at long last agreeing that I am infinancial hardship with an offer of wait for it £563 on a claim of £13,539.00. I have said its not enough as I have arrears of approx £5,000.00 on mortgage etc. Any ideas what I shoud do now?

Re: Millie Cat v Barclays. Hardship Claim

Millie Cats Income Expenditure Sheet in pdf format attached

and thanks for editing your initial post, cheers

PKea

Hi Millie

Just had a look at this and you have not put in a figure for credit card and bank charges that I could see. I suggest you add that in as well.