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A&L hardship criteria

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  • A&L hardship criteria

    Letter turning down applicant (from MSE)

    Originally posted by Alliance and leicester
    "Thank you for completing the Income and Expenditure form recently sent to you. We are sorry to hear of your redundancy in August 2008 and that this has caused you difficulty in the management of your account. May we wish you every success in seeking further employment.

    May we explain that when assessing applications for a refund of unauthorised overdrawing or payment review fees due to financial hardship, the aim is to rehabilitate the customers' account to enable them to manage it within the previously agreed terms and conditions. It is in these circumstances that we are willing to review the fees recently debited from the customers' account. We will not be able to refund them all should they meet the hardship criteria.

    This process is within the guidelines required by the Financial Services Authority, Financial Ombudsman Services and the Banking Code when dealing with hardship claims.

    Our records indicate that we have not raised any unauthorised overdraft or payment review fees against your account recently. While we appreciate your reasons for requesting a refund of fees previously applied to your account, we hope you will understand that we are unable to consider matters further until the outcome of the test case is known.
    #staysafestayhome

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    Received a Court Claim? Read >>>>> First Steps

  • #2
    Re: A&L hardship criteria

    That is an interesting interpretation of the FSA Waiver on Bank Charges.

    Comment


    • #3
      Re: A&L hardship criteria

      Indeed
      #staysafestayhome

      Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

      Received a Court Claim? Read >>>>> First Steps

      Comment

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