** SUCCESS ***Yet more charges - full refund hardship :)

[Mochamoo]

Re: Yet more charges

My credit rating is 890 of 999 (ie very bad)

I'm a little confused, I thought high score was good?


I get my credit file sent to me every month and this is what it said last month - appears to be before all the CC's and banks started playing hardball and putting nasties on my file...Im not going to look at this months

[Amethyst]

Re: Yet more charges

lol they will do

Waiver breaches would be the FSA.

[Mochamoo]

Re: Yet more charges

Just sent this,

As I am sure you are now fully aware I have sent you two letters about my extreme financial difficulties. You have not responded to either letter, this is against the waiver guidelines as I should have received an acknowledgement within 5 days.


I would now like to make an official complaint and will be making a complaint to the OFT and FSA.

I have attached both of my previous letters.

Couldn't remember who the feck I am meant to complain to so bunged in the only 2 names I could think of.

Re: Yet more charges

Great news, onwards and upwards hun (((((((((Hugs)))))))))))

[Amethyst]

Re: Yet more charges

yeyyyyy well done honey xxx

[WendyB]

Re: Yet more charges

Well there you go Moch, things are looking up. Just zap your income into there, set up the minimum amount of dds and tell Snatch West to shove their overdraft. Or perhaps see how the hardship claim goes first, before you start telling them where to stick there customer services lol.

[Mochamoo]

Re: Yet more charges

First Direct have given me a basic account.


Still nothing from Natwest.

[enaid]

Re: Yet more charges

Regarding council tax - is it really cheaper to pay it by direct debit ?

Not where I live, it is cheaper for the council to collect it this way though.
Here are the enticements they offer to pay this way

Council tax direct debit information

The council recommends payment of council tax by direct debit.
Choosing to pay by direct debit means you can:

• Save money on postage and stationery
• Avoid travelling costs and queuing
• Avoid forgetting to pay on time and possibly being subject to court action

Payment of council tax by direct debit

You can choose to pay in

• 10 monthly instalments April to January
• 11 monthly instalments April to February
• 12 monthly instalments April to March

Payments can be made on either the 1st 10th 20th or 28th

[WendyB]

Re: Yet more charges

It's the same with my council whatever method you pay by.

Re: Yet more charges

I pay ours by BACS and there's no extra charge, BUT I suppose it could all be different with each council couldn't it.

[Amethyst]

Re: Yet more charges

Regarding council tax - is it really cheaper to pay it by direct debit ?

[scoobydoo]

Re: Yet more charges

It does not matter if your mortgage company is not part of a government scheme they are still supposed to help you if you are in hardship.

Most mortgages you do not have to pay by DD - you can pay by cheque or by post etc .

If there is light at the end of the tunnel with regards to part time job /and or your interest rate reducing then they may consider giving you one months payment break to be paid back at a later date so that you can get yourselves straight if you have an emergency situtation. Or maybe make a part payment for one or two months.

I am only mentioning this as a last resort as I realise you are in a desperate situation and your mortgage is the most importatant payment - but there are times that you need help with say the car or petrol to enable you to work or look for jobs and I know you are sensible enough to prioritise what is most urgent.

If you need help with a letter to your mortgage company let me know.

[natweststaffmember]

Re: Yet more charges

I know everyone is trying to help and I do appreciate it, I really do and I am really sorry if I get snappy.

Don't apologise for being snappy or otherwise. Things are rough and so that means we will throw everything into the mix. OK, have you dealt with those miserable buggers at Birmingham Collections yet?

Anyway of getting into a payment plan with them for at least 6 months?

[Mochamoo]

Re: Yet more charges

I know everyone is trying to help and I do appreciate it, I really do and I am really sorry if I get snappy.

[WendyB]

Re: Yet more charges

C tax might be cheaper by dd but if the bank nicks all your income aginst your overdraft then the dd will bounce anyway so that will cost you more, cos they'll chuck the charge on straight away. Might be better to pay the council tax at a paypoint or the neighbourhood office. And divert your income to somewhere else as soon as you cn. I know I am harping on about this but you really need to do it. The first time wil be a big benefit cos yy will have all your money and it won't be able to get swallowed up in overdraftsand charges. It doesn't have to be a bank account, it can be paid into a building society account.

Just trying to help. (((((HUGS))))))