Hi Guys
Long story short.........I got in touch with payplan and was advised to do an I.E and send it to all my unsecured creditors with a pro rata offer of £1 a month.......Have done that and am waiting for responses.............However I now have charges mounting with Halifax current account and am £600 over my OD limit mostly charges.......Have had several charges in last 12 months which probably amounts to over a £1000 so I want to do a Hadship claim as it will go some way to offset my OD with them.
I only had £85 a week gonig into account and they gave me a £2500 OD and a credit card with £5250 limit knowing I was on benefits and a student etc etc I was busting a gut paying them and to be honest this month is the first month I have missed a payment but I got sick of borrowing off peter to pay back Paul. I was drawing cash off my credit card when bank charges started mounting so can prove that element of hardship...........So do I just do it the same as any other bank charge claim and list all my charges but with a hardship letter????
Any help mucho appreciated.
x
Long story short.........I got in touch with payplan and was advised to do an I.E and send it to all my unsecured creditors with a pro rata offer of £1 a month.......Have done that and am waiting for responses.............However I now have charges mounting with Halifax current account and am £600 over my OD limit mostly charges.......Have had several charges in last 12 months which probably amounts to over a £1000 so I want to do a Hadship claim as it will go some way to offset my OD with them.
I only had £85 a week gonig into account and they gave me a £2500 OD and a credit card with £5250 limit knowing I was on benefits and a student etc etc I was busting a gut paying them and to be honest this month is the first month I have missed a payment but I got sick of borrowing off peter to pay back Paul. I was drawing cash off my credit card when bank charges started mounting so can prove that element of hardship...........So do I just do it the same as any other bank charge claim and list all my charges but with a hardship letter????
Any help mucho appreciated.
x
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