**!!! SUCCESS !!!! ** Arunadasi vs Natwest

[Amethyst]

Re: Arunadasi vs Natwest

Fabulous Do let us know what they come back with.

[arunadasi]

Re: Arunadasi vs Natwest

It was a very complicated process and it was determined when they got divorced. They didn't have to agree on anything; the pension institution worked it out on the bases of how much he had paid into his pension fund in his working life, and as she had raised children without work for several years that was her portion. It is taken off his pension at source, even before he gets his pay.
------------------------------- merged -------------------------------
I applied for refund of charges on my business account last year and was given a settlement of £800. I htink the total was about £1200.
------------------------------- merged -------------------------------
SUCCESS!!!!

When I called earlier the lady said she'd ask their business dept to give me a call and they just did... and my claim has been APPROVED!!!!!!!!

They are going to send me an offre letter soon and take it foward from there!

There seemed to be some confusion regarding the business account, they thought I was claiming on both accounts and I had to say that I have already claimed on my business account!

I am so delighted I could dance. Thank you all so much for the suport and a special hug to Struggling Mum for that telephone number, that really set the ball rolling!:beagle:

[WendyB]

Re: Arunadasi vs Natwest

Well as its under German law, then whatever percentage they say should apply will be applied, I suppose. presumably the amount depends on how much the pension is in the first place and what was agreed, either by law or in settlement etc. And if this is a single account hardship case then would it be taken into account anyway?

[Amy]

Re: Arunadasi vs Natwest

I make it about £850 per month.

[Amethyst]

Re: Arunadasi vs Natwest

Business accounts arent subject to the waiver at all so no hardship rules shouldnt apply. You really need to get the claims seperated. One for your current account under hardship so it can be dealt with by the right team (thats £7k of charges on that one isn't it)

Not entirely sure what the claim on the business account totals but you need to deal with it seperately.

[Paule]

Re: Arunadasi vs Natwest

Regarding the 800 EUR your husband pays to his ex wifes pension - I am assuming this is per annum.

Where did this figure come from, was it an agreed settlement?
The figure seems amazingly high, are you sure its correct.
Thats roughly £8500 a year, about the same wage as a full time supermarket worker would get.

I'm amazed that that figure can actually be paid based on your circumstances quoted in your earlier posts.

I would sugest you fill out an Income and Expenditure Sheet Legal Beagles and send it to Ame, so we can get an idea of exactly where you are at

PKea

[WendyB]

Re: Arunadasi vs Natwest

Do the same rules for hardship apply with business accounts?

[arunadasi]

Re: Arunadasi vs Natwest

Hey xx Looks like you are getting some great help, once you have tried the number strugglingmum gave you and found out what the status of the claim is then we could look at writing a letter with everything bought together, and missing out a couple of bits which may go against you (kitchen/roof/boiler etc - were they bought on credit..if so they can be included as debt but if not I really wouldn't mention them again)

I called them.... thay have passed my file on to their business department because one of the accounts is a business one!

Regarding the 800 EUR your husband pays to his ex wifes pension - I am assuming this is per annum.

Unfortunately, no. This is per month!

Re the house, you sold the house in germany in 2008, are you now renting a property ?

no, it's a flat I bought in 2004. Last year the mortgage was over £700 monthly an dI was dreadfully in arrears; there were threats of repossession!
Luckily I am on a tracker mortgage so the rate has gone down and I have been able to catch up. The present mortgage is only £226 a month. If it had still been 700 I;d have been bankrupt by now.

I do think you have a very good case for hardship we just need to get the right points across in an consice manner, update the income expenditure sheet so its your current circumstances and I'm not sure if you sent a list of charges with the claim as well.


Also the arrears and debts if you could write up a full list - company & debt & status.

Let me know what they come back with when you speak to them and we can work on a updated letter.

I'll do that later today.
Thanks so much!

[Amethyst]

Re: Arunadasi vs Natwest

Hey xx Looks like you are getting some great help, once you have tried the number strugglingmum gave you and found out what the status of the claim is then we could look at writing a letter with everything bought together, and missing out a couple of bits which may go against you (kitchen/roof/boiler etc - were they bought on credit..if so they can be included as debt but if not I really wouldn't mention them again)

Regarding the 800 EUR your husband pays to his ex wifes pension - I am assuming this is per annum.

Re the house, you sold the house in germany in 2008, are you now renting a property ?

I do think you have a very good case for hardship we just need to get the right points across in an consice manner, update the income expenditure sheet so its your current circumstances and I'm not sure if you sent a list of charges with the claim as well.

Also the arrears and debts if you could write up a full list - company & debt & status.

Let me know what they come back with when you speak to them and we can work on a updated letter.

[arunadasi]

Re: Arunadasi vs Natwest

I found by telephoning the number I gave on my thread directly they will give you an accurate date of claims that they are dealing with, i.e. today they will be dealing with claims received on X of February (that's an example by the way I dont know what date they are up to)!

The people who you speak to on that number are helpfull, or were when I rang. They will answer your questions and let you know if they have received your claim and roughly what date it will be dealt with. x

That's brilliant! Thank you, will do so.
------------------------------- merged -------------------------------

Would your children not be able to get grants for College and Uni? And possibly EMa for your daughter whilst she is at college?

Yes, they both already do! My daughter gets full EMA, son gets full Maintenance Grant, but it's not enough to cover everything... rents are very expensive where he studies, and to to add to everything his girlfriend, also a student, is pregnant, they have just moved together, she is unwell and cannot work. I don't know if she is entitled to any benefits, she is Austrian and has never applied.
He had a weekend job but recently quit as he was not able to fit in his ever more demanding studies. Now he does occasional work here and there.

His maintenance grant only just came through and I had to support him till now; they had not given him the full grant as I did not yet have my accounts ready. When his money finally came in last week he gave me £500 back.

[strugglingmum]

Re: Arunadasi vs Natwest

I found by telephoning the number I gave on my thread directly they will give you an accurate date of claims that they are dealing with, i.e. today they will be dealing with claims received on X of February (that's an example by the way I dont know what date they are up to)!

The people who you speak to on that number are helpfull, or were when I rang. They will answer your questions and let you know if they have received your claim and roughly what date it will be dealt with. x

[WendyB]

Re: Arunadasi vs Natwest

Would your children not be able to get grants for College and Uni? And possibly EMa for your daughter whilst she is at college?

[hoops-morton]

Re: Arunadasi vs Natwest

Hi, welcome to legal Beagles Im a relative newcomer also but my claim has progressed rapidly recently only thanks to to good sound advice and help Ive had from the people on this site,they are the best! They will help you all they can, good luck to you.

[arunadasi]

Re: Arunadasi vs Natwest

Hello everyone! Thanks for the welcome!

To answer your questions: yes, I had filled out NatWest's Financial Statement form.
However, I have since received a letter form my accontant showing that I actually made a business LOSS in 2007 of over EUR 3000 so I am filling out the form again to correct the original statement (I just hope they don't start the whole process over form the beginning - what do you advise?)

I would also like to send in a new statement as to why I am in financial difficulties. This is what I have written so far:


1)Change of circumstance: Due to husband’s illness unexpected early retirement in 2007, decreased income due to pension.

2)Change of circumstance due to business failure of applicant; incurring business loss since 2007


3)Illness and Disability of spouse (Parkinson’s Disease, Gaucher’s Disease, Dementia)

4)Living from overdraft (business account) and credit card


5)Over £500 in charges over the last year

6)Direct debits not going through due to lack of funds (on business account and current account)


7)Repeatedly going over the limit due to lack of funds.


Strugglingmom, I read your thread yesterday and it really encouraged me; thank you for posting and congratulations on your success! I am determined to see this through so hang on!

[strugglingmum]

Re: Arunadasi vs Natwest

Hi, I just wanted to say hi and welcome you. If there's anything you want to ask me regarding my recent hardship claim with Natwest please feel free. x