should i wait

[dumb blonde]

Hi All
Have my statements from Natwest for bank account going back to 2001.
Have my list of charges from Natwest credit card.
Now though i would like info on loans and ppi on natwest account.
Should i wait until i do a full SAR and see what comes back before i put in all my claims?
we are in financial hardship.

[hoops-morton]

Re: should i wait

Hi welcome to the beagles someone will be along shortly to advise you on the next move , all I can advise is tkaeon board what they are saying and listen to their advice I am crrently in the closing stages of a claim with Abbey and without the help I have received here , would be nowhere. best wishes and good luck.
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have you done an I & E ? sheet you should also enclose as much proof as you can on any debts or bills you are having difficulty with and be totally honest with them and enclose a covering letter explaining why you think you qualify as a hardship case.

[dumb blonde]

Re: should i wait

yes i nhave an i&e that the CAB did with us to send to creditors, not really behind with any main bills at the mo as mums been helping out.

[WendyB]

Re: should i wait

Firstly, credit card charges are not covererd under the OFT waiver, so you should start your claim for those charges straight away. Natwest credit card were relatively easy to get the charges back from, I did my OH's in a matter of weeks. TonyB - v - Natwest Credit Card ***SETTLED*** - Legal Beagles

If you are in financial hardship, you need to be able to prove this to the bank and you may be able to get the bank charges sorted out more quickly under hardship rules. If you have all the charges to hand, then you should be able to start your hardship claim stright away.

Have a read around the hardship forum, and fill in the Income/Expenditure sheet. You need to have evidnece to back up your hardship claim, such as mortgage/council tax arrears etc. Each hardship claim is differnet so there is no template letter as such, your letter needs to be tailored to fit your individual circumstances.