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

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Hi all Please can you re-look at this leter and coment if needed,
My I&E form is at the top of the page Posted by PKEA as i was having troble posting it on here, if you would like to see!
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 stayed at the Maidstone County Court and has been since (8th august 07).

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 has a job but is only doing basic hours and we rely on him doing at least 1 hours overtime per night to cover the charges (please make this sound better not so good with english as im dislexic)

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 also had direct debits that have been discontinued on our regular credits. Virgin Media for our home phone which i need for emergenceys due to my daughters condition. as a consequence we get charged an extra £5 each month for not paying by DD + £10 for late payments.

(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 a severe lack of funds. The interest rate is very high for cash advances and we cannot obtain a new card with lower interest rates due to a 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 are repeatedly over our overdraft and charges and in the past 12 months alone amount to £1152 Comprising of (£750 of the £30 charge, £352 of the £22 charge and £80 of the £8) from 18th Dec 07- 18th Dec 08

I have had to have my overdraft increased several times to due to these charges being taken from my account.

I trust that Barclays agree that my situation is one of significant and severe financial hardship and will undertake to resolve my claim and return the default charges of £4,010.45.

Yours faithfully,

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Hi all,
Thank you for all your advice i will be acting on it and will get back to you all for veiwing,
Thanks again.
My I&E form is at the top of the page Posted by PKEA as i was having troble posting it on here, if you would like to see!
Millie Cat x x x

Re: Millie Cat v Barclays. Hardship Claim

Letter needs to include enclosures, listed out as set out in my earlier thread today.

[Amy]

Re: Millie Cat v Barclays. Hardship Claim

An edit for you, but it still needs major work I'm afraid. Can you also fill in the blanks in red.


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 stayed at the Maidstone County Court and has been since (date).

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. 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. Does your husband work, have there been any other changes?

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 also had some direct debits that have been discontinued on our regular credits. Need more info here.

(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 a severe lack of funds. The interest rate is very high for cash advances and we cannot obtain a new card with lower interest rates due to a 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 are repeatedly over our overdraft and charges and in the past 12 months alone amount to (how much? Need more detail)

I have had to have my overdraft increased several times to due to these charges being taken from my account.

I trust that Barclays agree that my situation is one of significant and severe financial hardship and will undertake to resolve my claim and return the default charges of £4,010.45.

Yours faithfully,

[WendyB]

Re: Millie Cat v Barclays. Hardship Claim

Hi Millie

just as a quickie, IMO, don't have a card meter, these work out more expensive as you pay a higher standing charge and the rate per unit its usually higher. There are lots of small ways you can cut down on fuel bills, they seem small but will make a difference. They may seem obvious but until you actually amke a point of doing them you don't realise how often you weren't doing them, if you see what I mean

Turn lights off as soon as you leave a room (or don't put them on at all)
Don't use the tumble dryer if you can help it (I took the fuse out of mine last year to make sure it wasn't used lol)
If you already have hot water in the kettle, put this into the saucepans for boiling up the veg, then you won't use so much fuel bringing the saucepans to the boil.
Use water from the hot tap to boil in the kettle, and for saucepans of veg, again this won't take as much fuel to boil. I know peeps say "yuk you shouldn't use water from the hot tap" but once its boiled, what's the difference? I've been doing it for years and I'm not dead yet.
Turn everything you can off when you are not using it, don't just leave on standby. Even mobile phone chargers.

Please don't think I'm being patronising, it's just things which sometimes people don't think of, anmd can make a difference.

Wendy xx

[enaid]

Re: Millie Cat v Barclays. Hardship Claim

Hi millie,
Just leaving you this link, if you go through it and give your details as near as possible it will give you an idea if you are entitled to any benefits at all.
http://www.entitledto.co.uk/

I would also ask, are you up to date with your mortggae, Council tax and Utility bills?

Re: Millie Cat v Barclays. Hardship Claim

Hi Millie,

In order to to get the banks to listen to you, as much evidence as you can muster to make your claim stand out as a hardship case the better. We have found on this site by sending everything together will help the banks to decide if your claim falls into the Hardship critera as defined under the FSA waiver rules.

You will also need to include most importantly with this letter and also state in your letter what evidences you are supplying:-

1. Your income and expenditure - to be done jointly with spouse!

2. Your current Bank Chgs spreadie with updated interest, the one that is in court with your claim on hold..

3. Copies of all evidences to support your claim. ie copies of the accounts where you have been drawing cash and the bank statements from HFC and Virgin showing the DD's being returned unpaid and charges being added.

4. Further evidences of arrears on Mortgage/Rent or utility bills. ( as stated in your letter you have outstanding bills)

5. Further evidences regarding your daughters health, maybe a letter, something to clarify this.

6. If you have been taken to court, and court documents!

7. Also include your bank account number - do not post it on this site but include it within your letter.

As another point are you currently claiming from Virgin, your charges back as well. If you have not done so, maybe this is also the time to start a claim with them. Also, are you currently with Barclays or is this a closed or an unused account!

You will see that I have corrected some of your letter with minor mistakes etc. I am sure Amy, who is much better than me with grammer will correct it further. I would amend the letter and post up again once you have added the additional bits and then we can take another look.

Tuttsi xx

Hi have a look at this and tell me what you think Please:

Barclays Bank PLC,
London Road,
Larkfield.
Kent,
Dear **********

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 request that you consider refunding the default charges you have taken from my account, which total £4010.45, I am currently My claim is currently stayed in the Maidstone Court under court ref: 7QZ80882. Claiming in the maidstone court, claim no 7QZ80882 .

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

I have been unemployed on and off since 1996. I gave up my job to be at home for my eldest daughter whome has a rare blood condition which caused her to have to visit the hospital frequently and often having to stay in for a week at a time my daughter finaly had a life saving operation in may 07.and we have been struggling financially ever since Coping on one wage. I am unable to return to work as i have got another daughter aged..... whome is still to young to be left un attended we are finding it increasingly difficult to cope financially.

We have had many DD's reurned un paid to HFC bank, ALPF Bank These are both loans and Legal and genral which is our buildings & Contence insurence Which was required by our mortgage lender,we have all so had a few others that were re-entered a few days later and paid payed as we have found these payments increasingly difficult to maintain.

We have also had some DD's that that have been discontinued on our regular credits.
Our Virgin Credit card has been used for cash and doing the weekly food shop due to lack of funs and the intrest rate is very hight.
We have had to repetedly go over our overdraft and charges have reached well over £500 in the last 12 months.

I have had to have my overdraft increased several times to due to these charges being taken from my account.

I trust that Barclays agree that my situation is one of significant and severe financial hardship and will undertake to resolve my claim and return the default charges of £4010.45 And i will endevour endever to pay off my overdraft in full and to pay my Vvirgin Credit card and if there is any left Ii will put that to pay any other outstanding bills.

Yours sincerely

Sorry i did take the jist from another beagle i hope i haven't upset anyone,
thank you.
Millie Cat

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Hi have a look at this and tell me what you think Please:

Barclays Bank PLC,
London Road,
Larkfield.
Kent,
Dear **********

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 request that you consider refunding the default charges you have taken from my account, which total £4010.45, I am currently Claiming in the maidstone court, claim no 7QZ80882 .

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

I have been unemployed on and off since 1996. I gave up my job to be at home for my eldest daughter whome has a rare blood condition which caused her to have to visit the hospital frequently and often having to stay in for a week at a time my daughter finaly had a life saving operation in may 07.and we have been struggling financially ever since Coping on one wage. I am unable to return to work as i have got another daughter whome is still to young to be left un attended we are finding it increasingly difficult to cope financially.

We have had DD's reurned un paid to HFC bank, ALPF Bank These are both loans and Legal and genral which is our buildings & Contence insurence Which was required by our mortgage lender,we have all so had a few others that were re-entered a few days later and payed as we have found these payments increasingly difficult to maintain.

We have also had some DD's that that have been discontinued on our regular credits.
Our Virgin Credit card has been used for cash and doing the weekly food shop due to lack of funs and the intrest rate is very hight.
We have had to repetedly go over our overdraft and charges have reached well over £500 in the last 12 months

I have had to have my overdraft increased several times to due to these charges being taken from my account.
I trust that Barclays agree that my situation is one of significant and severe financial hardship and will undertake to resolve my claim and return the default charges of £4010.45 And i will endever to pay off my overdraft in full and to pay my virgin Credit card and if there is any left i will put that to any other outstanding bill.

Yours sincerely

Sorry i did take the jist from another beagle i hope i haven't upset anyone,
thank you.
Millie Cat

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Hi all,
Can anybody tell me to whome and to were i am to send the income and expeniture form and letter too Its Barclays, or do i take it to my branch.
Please help i have looked and cant find it on here.
Thankyou,
Millie Cat.

[Mochamoo]

Re: Millie Cat v Barclays. Hardship Claim

Have you read through some of the other hardship claims on here, they are a good source of information for you on what you need to be doing now and let you know what to expect in the future x

Ladidi v Abbey - settlement offer ** SETTLED** - Legal Beagles

outspoken vs abbey - OFFER RECEIVED - Legal Beagles


Sorry I am not very good with letters so can't help you on that one x

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Can anybody Give me some idea of the letter i should send to the bank with the Income and expenditure form and can anybody see if i have mist any thing out and if there is any thing else i need to include.
Pretty Please
Millie Cat

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Hi Mochamoo,
Thank you for replying,
Yes Millie is a turkisk angora and i have oscar he is a ragdol.
Yes i have a stayed court claim with Barclays,
I did change my suplyer for G & E but it still so expensive I did call EON today to moan about my bills, and have told them to change my meter to a card meter, i hope that will help as i think there is something wrong with it.
My daughter dosen't go as much now but she still needs to go to london once or twice a year for tests. I tryed to claim for her several times during her life, But they said as she would be less of a burden (I don't think she is a burden) once she had her spleen and gaul bladder removed, She was ill from birth and had her op when she was 10, For 10 years they could have helped with transport or a little fuel.

[Mochamoo]

Re: Millie Cat v Barclays. Hardship Claim

Hi Millie Cat,

Firstly love your name, I have a cat called Millie lol :kiss:

How far are you along with you Barclays claim? Have you sent them any letters, issued court claim?

Moneywise, try swapping energy people like Pkea suggested. I just went through my garage, house, attic and ebayed everything I havent used in a year or didnt want, I found all my old dusty mobiles and sold them! You have so much more in your home than you think you do lol

Does your daughter have to go to the doctor or hospital alot? My OH's dad gets money towards petrol and he gets reinbursed for the parking, I think its the NHS who gives it to him I will check. It works out about £15 a week, not much but it helps.

xx

[Paule]

Re: Millie Cat v Barclays. Hardship Claim

Have you checked what tariff you are on?
I am with the same providor for Gas and Leccy, so get 6.5% discount of my bills, plus I get email bills instead of paper, which gets me another 1.5% off.

Also have a look at this to try and get some money back
Energy Firms Sitting on Your Direct Debit Cash!

[millie cat]

Re: Millie Cat v Barclays. Hardship Claim

Yes i tryed that but every time we change the end up being just as expensive, my sister in law pays half what i pay and she lives in the same house about 10 doors up from me and she seems to use more than me.
i also have had my house cavety wall and loft insulated and all light bulbs replaced with energie saving and lots of kichen stuff to.
Thanks Millie Cat x x x