Dizzy Dave VS Natwest

[TUTTSI]

Re: Any point trying ? (NATWEST)

Dizzy dave, get your parents on here and the beagles can hopefully help them as well. Extremely good point.

When you send the first correspondence you will get an income and expenditure form. Nattie he has completed the LB I & E. Surely the figures will same which ever form is completed!

Make sure you send it to the correct address. Do you have the correct address!

Remember the bank does not have to refund but could suspend the charges which in itself is a positive.

Dave,

It would be good and will add strength to you hardship claim if you had a doctors letter as evidence along with all the other evidences. Can you call your GP's surgery and speak to the doctor!. Are you under the hospital for your condition! I think you should also include the benefits letter.

Your I& E shows that you are -£150 each month - that at least shows that you are in difficulty!

You are doing really well and getting it right at this stage will help in the long run.

[natweststaffmember]

Re: Any point trying ? (NATWEST)

yes.
Legal Beagles

Customer services response unit.

[Dizzy-Dave]

Re: Any point trying ? (NATWEST)

This one ?

Customer Service Response Unit
The Cornerstone
60 South Gyle Crescent
Edinburgh
EH12 9WF


I have phoned natwest asking to apply for hardship. They said they will send me something to fill in which i presume is the same as I&E.

I will contact the doctor on monday.

Hope you all have a spiffing weekend.

[Paule]

Re: Any point trying ? (NATWEST)

IE Sheet attched in PDF format

PKea

[natweststaffmember]

Re: Any point trying ? (NATWEST)

dave, have you added in road tax, if you have a car then you would have to pay it albeit, one or two lump sums.

[Dizzy-Dave]

Re: Any point trying ? (NATWEST)

I declared my car off the road last month so it's now SORN.

I recieved the natwest confirmation just now (quicker than I expected)

Will they mind if I send the LB version ?

[TUTTSI]

Re: Any point trying ? (NATWEST)

Hi Dave

I don't think it would make a difference, unless the NAT West one has more details!

If your car is off the road, you can reduce your cover to Fire and Theft only if you have not already done so!

£50 rent I take it this is what you give to your parents for your keep each month for food! if it is I would put it under food drink and housekeeping. You would also be entitled to health costs -dentist/medicines etc if you do not have excemption, you should also put a small amount down for clothes even if it is £10 /£15 a month.

[Dizzy-Dave]

Re: Any point trying ? (NATWEST)

Hello friends

Doctor came round today and bought me a new sicknote.

I did ask for a letter but he said the sicknote shoud be enough if i photocopy it (I hope they can read his hand writing!).

They can always ring the surgery if they dont believe me....

So now I have:

* I&E Sheet
* Bank Charges list
* Copy of letter (benefits being stopped)
* Copy of sicknote
* Copy of afew bills which cannot be paid

Now my actual letter i have no idea how to start it or what to put in.

Shall i state i would like my charges back ? I know that i have to put about my situation and my illness...

Template ? Help !:tung:

[Amy]

Re: Any point trying ? (NATWEST)

Templates are not a good idea for hardship claims as this would lead to them being put on a pile and ignored.

It has to be written from a personal point of view, but succinct.

Post up your version and we'll take a look at it for you if you like.

[TUTTSI]

Re: Any point trying ? (NATWEST)

Hi Dave

Amy is right hardship claims need a more personal approach.

But to help you on your way.... I have a rough outline of a letter which you must adapt and add all your own circumstances. When you have completed it please post it up and we will check it out for you.

BY RECORDED DELIVERY


Dear Sir/Madam

YOUR NAME
NATWEST ACCOUNT NUMBER:- XXXXXXXX
CLAIM NO:- XXXXXXX

I am writing to you regarding my claim and my financial hardship
situation which I understand meets the FSA’s recent update to the
complaints handling waiver and their guidelines on financial difficulty.

I would like to attach documentation in support of my hardship
case which evidences my extreme financial difficulty, as follows:-


1 : An updated spreadsheet showing my claim value as £XXXXXXX with Abbey at the present time.

2 : A personal budget sheet which shows a monthly deficit of £XXX

3.

4.

5.

6.

HERE WRITE A DESCRIPTION AS TO WHY YOU FEEL YOU ARE A GENUINE HARDSHIP CASE AND THE EFFECT IT IS HAVING ON YOU/ AND YOUR FAMILY, ETC ETC….


Change these paragraphs to suit
I am currently finding it very difficult to cope during the present economic climate coupled with my health problems and not being able to work.

This financial situation is putting a terrible burden on me and I please ask that you reconsider my claim and my circumstances given the current waiver criteria and the banking code.

I look forward to hearing from you shortly.

Yours faithfully



xxxxxxxxxxx

[Dizzy-Dave]

Re: Any point trying ? (NATWEST)

Rough Draft:

Customer Response Services Unit
Drummond House
First Floor
1 Redheughs Avenue, Edinburgh EH12 9JN



Subject: My Hardship Claim
Dear whoever it may concern,
I would like to apply for Hardship under your agreement with the FSA.
I believe I fall under the category due to numerous situations and problems that are currently part of my life.
In September of 2008, I was diagnosed with Labyrinthitis, a balance disorder which causes constant dizzyness, anxiety and ringing in the ears (sick note and NHS letter attatched)
1 Month later I lost my full time job and had to apply for Incapacity benefit. I became house bound and developed a fear of leaving the house. There is no miracle cure to get better, as only time and a stress free lifestyle can aid recovery.
3 Weeks ago the benefit office stopped my payments (£50 a week) due to a clerical error, and information I sent them getting lost in the post. I have to submit lots of documents to get back on the system and it's taking quite awhile. I have no money coming in at all and cannot meet any payments, stay within my two overdraughts or buy food and essentials (Benefit papers and reminder letters enclosed).
Each month I have outgoings such as rent, food, phone/broadband and a personal loan repayment. Soon they will all default.
I am receiving bank charges most months now and my situation will only get worse.
I am looking for help in clearing my overdraught and a refund of past/future charges will put me a in a stable financial situation until some money comes in again.
Then at least I can be in the green and even start saving.
I have enclosed photocopied letters to back up my situation, along with a total of all bank charges received in the last 6 years.
I look forward to your reply.
Sincerely,
Dave Collyer
------------------------------- merged -------------------------------
Tuttsi I will update my draft with your info, thanks.

[TUTTSI]

Re: Any point trying ? (NATWEST)

Rough Draft:

Customer Response Services Unit
Drummond House
First Floor
1 Redheughs Avenue, Edinburgh EH12 9JN



Subject: My Hardship Claim
Dear whoever it may concern,
I would like to apply for Hardship under your agreement with the FSA.
I believe I fall under the category due to numerous situations and problems that are currently part of my life.
In September of 2008, I was diagnosed with Labyrinthitis, a balance disorder which causes constant dizzyness, anxiety and ringing in the ears (sick note and NHS letter attatched)
1 Month later I lost my full time job and had to apply for Incapacity benefit. I became house bound and developed a fear of leaving the house. There is no miracle cure to get better, as only time and a stress free lifestyle can aid recovery.
3 Weeks ago the benefit office stopped my payments (£50 a week) due to a clerical error, and information I sent them getting lost in the post. I have to submit lots of documents to get back on the system and it's taking quite awhile. I have no money coming in at all and cannot meet any payments, stay within my two overdrafts or buy food and essentials (Benefit papers and reminder letters enclosed).
Each month I have outgoings such as rent, food, phone/broadband and a personal loan repayment. Soon they will all default.
I am receiving bank charges most months now and my situation will only get worse.
I am looking for help in clearing my overdraft and a refund of past/future charges will put me a in a stable financial situation until some money comes in again.
X Then at least I can be in the black and even start saving.X not sure about this
I have enclosed photocopied letters to back up my situation, along with a total of all bank charges received in the last 6 years.
I look forward to your reply.
Sincerely,
Dizzy Dave
------------------------------- merged -------------------------------
Tuttsi I will update my draft with your info, thanks.

Hi Dave

I have made a couple of amendments, but perhaps Amy will if she is arround will give it a makeover. Where I have marked in red the is the correct spelling. I was not sure of the sentence I have put x by and will think about that.

Regards

[Dizzy-Dave]

Re: Any point trying ? (NATWEST)

My head hurts

My symptoms really have flared up the last couple of weeks.

This is all i can do for now. If Amy or anyone else can touch it up (ignore some of the more crazier spelling and grammer, I skipped the spell check)

If you think some of my evidence is not needed then let me know aswell as perhaps the car thing is not relevant.

Thank you again for the help so far.

Customer Response Services Unit
Drummond House
First Floor
1 Redheughs Avenue, Edinburgh EH12 9JN



BY RECORDED DELIVERY


Dear Sir/Madam

David Collyer
NATWEST ACCOUNT NUMBER:- ********
CLAIM NO:- D-2******

I am writing to you regarding my claim and my financial hardship
situation which I understand meets the FSA’s recent update to the
complaints handling waiver and their guidelines on financial difficulty.

I would like to attach documentation in support of my hardship
case which evidences my extreme financial difficulty, as follows:-


1 : An updated spreadsheet showing my claim value as £1,008.00with Natwest at the present time.

2 : A personal budget sheet which shows a monthly deficit of £180.

3. A copy of a letter from Job Centre Plus stating my benefits have stopped.

4. A copy of NHS corraspondance and current sick note.

5. A copy of a letter from my other bank account.

6. A copy of a letter sent from the DVLA stating my car is now declared off the road (as I couldn't afford to tax it)
7. A Copy of a corraspondance I recently received from Orange Mobile which states the bill has not been paid.

In September of 2008, I was diagnosed with Labyrinthitis, a balance disorder which causes constant dizzyness, anxiety and ringing in the ears (sick note and NHS letter attatched)
1 Month later I lost my full time job and had to apply for Incapacity benefit. I became house bound and developed a fear of leaving the house. There is no miracle cure to get better, as only time and a stress free lifestyle can aid recovery.
3 Weeks ago the benefit office stopped my payments (£50 a week) due to a clerical error, and information I sent them getting lost in the post. I have to submit lots of documents to get back on the system and it's taking quite awhile. I have no money coming in at all and cannot meet any payments, stay within my two overdrafts or buy food and essentials.

I am currently finding it very difficult to cope during the present economic climate coupled with my health problems and not being able to work.

This financial situation is putting a terrible burden on me and I please ask that you reconsider my claim and my circumstances given the current waiver criteria and the banking code.

I look forward to hearing from you shortly.

Yours faithfully

[TUTTSI]

Re: Any point trying ? (NATWEST)

Dave, you have done really well, yes there are some spelling and grammer to sort out, lets leave it till the morning and let Amy take a look! best not to rush it. The guts of it is there in this letter and tweeking it now is not a problem.

Have a rest - you earned it and we will all take a fresh look tomorrow.

Regards

[Amy]

Re: Any point trying ? (NATWEST)

It is has come to my attention that my claim should be treated as one of financial hardship. I believe my situation meets the FSA’s recent update to the
complaints handling waiver and their guidelines on financial difficulty.

I attach the following documentation in support of my hardship case which supports my extreme financial difficulty, as follows:-


1 : An updated spreadsheet showing my claim value as £1,008.00 with Natwest as of (date).

2 : A personal budget sheet which shows a monthly deficit of £180.

3. A copy of a letter from Job Centre Plus stating my benefits have stopped.

4. A copy of NHS correspondence and current Doctor's note.

5. A copy of a letter from my other bank account which shows.........

6. A copy of a letter sent from the DVLA stating my car is now declared off the road (as I couldn't afford to tax it) Not sure this is relevant.

7. A copy of correspondence (dated) from Orange Mobile which states the bill is overdue.

In September of 2008, I was diagnosed with Labyrinthitis, a balance disorder which causes constant dizziness, anxiety and ringing in the ears.

One month later I lost my full time job and had to apply for Incapacity Benefit. I became housebound and developed a fear of leaving the house. There is no miracle cure to get better, as only time and a stress free lifestyle can aid recovery. Not sure about this sentence either.
Three weeks ago the benefit office stopped my payments (£50 a week) due to a clerical error and information I sent them getting lost in the post. I have to submit lots of documents to get back on the system and it's taking quite a while. I have no money coming in at all and cannot meet any payments, stay within my two overdrafts or buy food and essentials.

I am currently finding it very difficult to cope during the present economic climate coupled with my health problems and not being able to work.

This financial situation is putting a terrible burden on me and I please ask that you reconsider my claim and my circumstances given the current waiver criteria and the banking code.

I look forward to hearing from you shortly.

Yours faithfully