Help please Woolwich/Barclays **offer received**

[skintkim]

Re: Help please Woolwich/Barclays

Are Barclays IGNORING Hardship claims? I have not seen any posts other than mine concerning Barclays!

[skintkim]

Re: Help please Woolwich/Barclays

Thanks or that scoobydoo but who do I contact as Barclays are giving me the runaround? Also is it 8 weeks since the 1st telephone call or their 1st response also when I met a barclays rep in court on 31st July last year I said I was in financial hardshipbut nothing was done!

[scoobydoo]

Re: Help please Woolwich/Barclays

there is a post by EXC about the recommended time frame they should adhere to
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Ame - I'm not quite sure where to post this but move it or duplicate it somewhere if you want.

I've had confirmation from the FOS on timescales banks must adhere to with regard to hardship claims.

1) A bank has 8 weeks from the point a claimant indicates to the bank that they believe they are a hardship case. This applies both to cases where a claim for bank charges is made from a claimant who is claiming hardship (at the same time) and also where a claimant with a bank charge claim already made is subsequently claiming hardship status.

You don't have to put in a separate complaint to your bank about the hardship element of the claim to exhuast the 8 week complaints time limit in order for the FOS to take up your case. Therefore if the bank have taken more than 8 weeks to decide on your status the FOS will take uo the case.

2) In the instances where a bank does not agree that a claimant is a hardship case then you can go straight to the FOS who will adjudicate and if they agree you have hardship status they will make a reccomendation to the bank on whether they should refund the charges. The hardship criteria the FOS would use is the FSA waiver guidance:
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Personally I would do a letter recorded to the person who wrote the letter on the 8th stating what has hapened and say that due to your circumstances you are not able to wait for them to decide who is dealing with your case so you are sending copies of all the letters to the FOS and the FSA.

[skintkim]

Re: Help please Woolwich/Barclays

Has anyone got any advice? I don't think Barclays are playing ball!!!!!

[skintkim]

Re: Help please Woolwich/Barclays

Hi All I gota letter dated 8/9/08 saying the paperwork has been forwarded to the consumer finace debt management department but when I rang today I was told I didn't have a debt with them so this was the wrng dept!After calling twice more I was told they would contact me but could not give me a time limit any ideas this time? Is it me or are Barclays being exra awkward

[skintkim]

Re: Help please Woolwich/Barclays

Geat straight and to the point

[Tempty]

Re: Help please Woolwich/Barclays

Dear Barclays

I am writing further to our recent telephone conversations regarding my wish to be considered for hardship status. I have twice written to the bank including a full breakdown of my Income and Expenditure. The first was apparently not received and the second went out over three weeks ago.
I have been told verbally that this second letter was received. Given my financial status I am disappointed that you are seemingly unable to take my case seriously and that despite the FSA's guidlines regarding the handling of hardship cases are willing to ignore my plea for help.

As my situation is worsening by the day I feel I will have no other choice then to report this situation directly to the FSA.
I still hope to avoide this action and will allow a further three days from the date of this letter before contacting the FSA.

yours sincerley

skintkim




ok there's a base to start with. have a play around with it ...sorry for any spelling my head is asleep and my spell checker is not playing lol
short, sweet and to the point at this stage. polite but firm. I don't think we need to go in all guns blazing just yet ... just a little nudge to let em know you're there

[skintkim]

Re: Help please Woolwich/Barclays

Thanks pretty hard night myself!

[Tempty]

Re: Help please Woolwich/Barclays

blummin swines, gimme half an hour to wake up a bit ... (late night last night uurrggh) and i'll give it a go for you ... right better get the kettle on ...this one gonna be a strong cup of coffee me thinks

[skintkim]

Re: Help please Woolwich/Barclays

Hi All, Can someone please help me? Barclays are giving me the run around! As you are all aware I am claiming hardship I have sent in 2 I&E forms withcovering letters ( the 1st they said they did noy receive ) Now it is over 3 weeks since they received the last one, they have said they had got it. I have spoken to a few people only from customer service though, not the hardship dept if they actually have one. Last week someone told me I would get either a phone call or a letter within 2 days and suprise surprise NOTHING. I spoke to someone yesterday who was helpful but even she couldn't get through but she gave me a telephone number to call later. When I called I was told it was the collections dept and I was not in debt with them( no just everyone else ) I tried again and spoke to customer service who said that was the correct dept and she couln't get through but she was going to email them and I should hear back either mon or tues, I am getting desperate has anyone got anymore ideas ? There appears to be no action on any hardship claims with Barclays, because I am crap at writing official sounding letters, is there anyone who could comprise onefor me? Thanks in advance and congrats to all who have had good news with their hardship claims

[skintkim]

Re: Help please Woolwich/Barclays

Thanks Budgie, I am going under so I hope it is good news, this has been going on so long and I am getting deeper and deeper in debt. Even if I am given all my charges back with the interest I will just be able to pay off my debts and when I started this I was looking at a holiday and maybe a kitchen that has gone out of the window as I owe more now than ever! Lets hope it is good news but knowing my luck it won't be

[Budgie]

Re: Help please Woolwich/Barclays

Thats good news regarding the promised contact from them of Wedensday or Thursday Kim.

Well done for making the chaser phone call.

Have no idea what they might suggest to you but lets keep our fingers crossed OK.

Rgds Budgie

[skintkim]

Re: Help please Woolwich/Barclays

Thanks alot and congratulations. I can only tell them the truth I have mortgage arrears and a repossesion order that was set aside cos I managed to borroe enough money off friends to get it down low enough to not be repossesed my partner left me with 5 children when the majority of these charges were taken an I survived on child benefit, child and working tax credit and only between £5,000 and £8,000 wages and they still in 6 years managed to take over £13,000 in charges. I have had ccj's for council tax and water rates etc. I owe friends nearly £10,000 on credit cards that I am struggling to pay each month. Oh to be debt free!

[Jester]

Re: Help please Woolwich/Barclays

I can only vouch for how First Direct/HSBC went about it.

In my dealings with FD, they first asked me for proof of hardship (bank statements, repossession order, debt management plan, in my case). Once I provided those, their Credit Services Dept (prolly FD's equivalent of Barclays Debt Management Dept) contacted me and went through a few facts and figures, clarifying the hardship I was under and asking questions regarding them.

I just gave them straight and genuine answers to everything as there was no denying I was in hardship and therefore had nothing to hide.

I would suggest you do the same when you deal with Barclays when they call you. It also helps to clue yourself up a bit about what is in the FSA Waiver, AND where the OFT Test Case stage is at. There are plenty of threads discussing that in these forums.

I know from my dealings with FD that they were surprised how clued up I am with what is happening and I have the feeling that it put them at ill-ease as they could see they were not going to be able to pull the wool over my eyes.

Be honest, be upfront, be brave, be courteous, but be firm (even a bit of bare-faced cheek does not go amiss). You have nothing to lose and everything to gain. Keep calm in your dealings and do not let them wind you up (FD were great on the phone but I have heard that others can be quite abrasive).

Hope this helps you

[skintkim]

Re: Help please Woolwich/Barclays

Hi All, I have just got off the telephone from Barclays AGAIN and the lady said I will hear from the debt management department either tomorrow or the day after anyone got any ideas or what will be said and what will happen now?