Thriftkitten V Natwest Financial hardship claim

[Thriftkitten]

I have been advised to post here for any additional help and advice regarding claiming back any bank charges under the Financial Hardship avenue.
After sending a SAR to Natwest they returned my cheque and asked me for a letter with my signature so they could verify me and proceed, The SAR had my signature as did the 10.00 cheque, however a lady called Lyn Kirkland is handling it and I have a reference number to quote each and everytime I contact them along with an address so I guess that better than nothing, will have to wait for a list of charges as its a SETTLED closed defaulted account.
Could you please advise me whatelse I should enclose with the next letter requesting claiming back the total of charges under the financial hardship avenue, here is what I will include please let me know if I should include anythingelse.
1, Letter stating that I want to reclaim back provided bank charges under the Financial Hardship route
2, Proof of charges
3,Proof of means tested benefit
4,Proof of debts and collectors notifications
5,Income and expenditure form showing deficit per month

Anythingelse please that I may be unaware of.

[Amy]

Re: Thriftkitten V Natwest Financial hardship claim

They need to provide you with all the information they hold on you, not simply a list of charges.

[arunadasi]

Re: Thriftkitten V Natwest Financial hardship claim

Hello Thrftkitten and welcome to the dogpack!
That lady was the same one who signed my letters, and eventually my claim was successful - read my thread for details. Finally, though, it was quite a different lady who was most helpful.

[Thriftkitten]

Re: Thriftkitten V Natwest Financial hardship claim

Thanks Arunadesi, and congrats on your success, I have just finished reading your claim progression and feel inspired.
Im hoping to find someone to email my income and expenditure sheet to and have them check it over before I sent off my full Financial Hardship claim back to them, I feel quite excited about getting a cheque back off them as it is an old closed account and so they will not be able to put it into my account in order to clear the overdraft as I have already struggled to do so, I am also requesting that they remove the default they placed on the account as I struggled like hell to repay their unlawful charges and they still defaulted it... will keep posting and let you know how I got on, Please could you send me the number that "Strugglingmum" gave you in order to call and see how the claim is progressing.
Thanks.

[Amethyst]

Re: Thriftkitten V Natwest Financial hardship claim

Hi Thriftkitten, You can email your IE to me amethyst@legalbeagles.info if you'd like me to check it over

xxxx

Thanks Arunadesi, and congrats on your success, I have just finished reading your claim progression and feel inspired.
Im hoping to find someone to email my income and expenditure sheet to and have them check it over before I sent off my full Financial Hardship claim back to them, I feel quite excited about getting a cheque back off them as it is an old closed account and so they will not be able to put it into my account in order to clear the overdraft as I have already struggled to do so, I am also requesting that they remove the default they placed on the account as I struggled like hell to repay their unlawful charges and they still defaulted it... will keep posting and let you know how I got on, Please could you send me the number that "Strugglingmum" gave you in order to call and see how the claim is progressing.
Thanks.

[Thriftkitten]

Re: Thriftkitten V Natwest Financial hardship claim

Ohhh great thankyou so much, will do that immediatly cheers, Also sorry to ask but where do I send this hardship claim too for Lloyds as some say Andover some say Brighton, but I dont know which and dont have the address's of any and getting confused cheers x

[arunadasi]

Re: Thriftkitten V Natwest Financial hardship claim

This thread has all the contact details for NatWest:
Legal Beagles0

[Thriftkitten]

Re: Thriftkitten V Natwest Financial hardship claim

D'oh I'm having a confused random moment and have posted questions about my Lloyds claim in this thread, however the question is still the same for Amethyst, could you tell me where to send all the hardship claim to as far as dealing with Lloyds.
Sorry for the confusion.
And thanks Arunadasi I will keep the Natwest detail as I will be needing those, Congrats on your success.

[natweststaffmember]

Re: Thriftkitten V Natwest Financial hardship claim

Hardship Claims
LloydsTSB Bank
Customer Service Recovery Centre
Charlton Place
Andover
Hampshire
SP10 1RE

[Thriftkitten]

Re: Thriftkitten V Natwest Financial hardship claim

Thankyou Nattie, for every bank charge I zap a brain cell in frustration, Hence posting Lloyds stuff in the Natwest thread lol,I have drafted up a financial hardship letter to Lloyds do you know if someone would take a look over it and see what they think.

[natweststaffmember]

Re: Thriftkitten V Natwest Financial hardship claim

do you want it on the open forum or not?

[Thriftkitten]

Re: Thriftkitten V Natwest Financial hardship claim

Well would prefer that it wasn't due to personal info and lifestyle issues.

[Thriftkitten]

Re: Thriftkitten V Natwest Financial hardship claim

Ok I am now fuming!!!
Today I get ANOTHER letter from Natwest stating as follows:

Dear Miss XXX
Data Protection Act 1998-Subject Access Request

As per your previous correspondence and to protect you from fraud, we need to verify your identity before your request can be completed.
Please take along to a local branch this letter with photographic identification such as Passport, EU National ID card or full Photocard Driving Licence.The branch will verify this information and forward this letter on to us on your behalf.
Please find enclosed your fee and return it to us with your further correspondence, Please note that the 5 pound fee covers all historic statement requests.
Please also provide a specimen of your signature by signing your name in the box below.
signed lyn kirkland.

I cant bloody believe they have sent this back again(the second time)
I sent them a SAR 2 weeks ago by recorded delivery, signed up to the eyeballs, they sent it back asking for another letter with my signature,
I sent another letter along with my signature seperate and also on the 2ND SAR and on the cheque they have now returned this again asking for me to go into a branch of Natwest and take along photographic identity and that Natwest will forward on the letter to them.... they can get stuffed I want it sent by ME RECORDED DELIVERY, are they allowed to drag their heels like this on a closed account, please help... very vexed lady prowling the streets of ST IVES cornwall.

[Amethyst]

Re: Thriftkitten V Natwest Financial hardship claim

Hi thriftkitten, hope you are doing okay honey xx thinking of you and the kids.


Just a note really on here to say the threads being continued in VIP for the moment as there is a little more privacy for the indepth stuff. Will keep this thread updated with the hardship claim as it moves onwards though.