Travel girl - Hardship claim - offer received

[scoobydoo]

Re: Travel girl - Hardship claim

Travel girl
there is another case with Abbey that is being looked at in view of the new terms of waiver - so I suggest you do another letter to Ronan who I think dealt with Simons case



I refer to the above case.

I am sure you are aware that the new terms of the waiver have been issued.

I am therefore asking you again to review my case as I was at the time of the charges suffering severe financial difficulty and am still on a reduced income now due to the loan I had to take out for my day to day expenses as all my benefits were taken in charges


In making an assessment of financial difficulty the firm will take into account:
a.
evidence of changes in lifestyle, including loss of employment; disability; serious illness; imprisonment; relationship breakdown; death of a partner; starting a lower paid job; parental/carer leave; and starting full-time education;

this section applies to me as we were suffering from illness and loosing our house and a reduction in income




evidence of the following events:
i.

items repeatedly being returned unpaid due to lack of available funds;


Please see my enclosed spread sheet for evidence
ii.
failing to make loan repayments or other commitments;
iii.
discontinuation of regular credits;
iv.
notification of some form of insolvency or court proceedings;
v.
regular requests for increased borrowing or repeated rescheduling of debts;

We had to take out loans for basics such as food - see my previous letters
vi.
making frequent cash withdrawals on a credit card at a non-promotional rate of interest; and
vii.
repeatedly exceeding a credit card or overdraft limit without agreement (and, in this regard, where a complainant has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty). Some threads to read:

My total charges are xxxx over xxxx months





Fill in some details as per my example

Keep it simple and factual

Send a copy to FOS

Do the letter ASAP

Draft for us to look at . Use dates if you can - eg on XXXX you charged me XXXX for one failed cheque

on XXXX i was forced to take out a loan of XXXX as I had no money to live on

[travelgirl]

Re: Travel girl - Hardship claim

thankyou love i will work on this today tyvvm
xx

[travelgirl]

Re: Travel girl - Hardship claim

hi scooby and all
been working on this and the charges from 12th jan-11th june 07 are not included in the charges i shall post the charges for u to see
also in april they well i will type it for you
april 07
charges for the returned unpaid cheque 12th jan 07 look at them building up in april
april 02 2007=£20
april 02 2007=£30
april02 2007=£30
april02 2007=£30
april02 2007=£30
april02 2007=£30
aprilo2 2007=£35
april02 2007=£35
april02 2007 intrest 0.38

total charges £295.73

then ofcourse i have may 11th june 11 2007 same charges so the total came to £322. 94
just thought id say as going throu all this i found these charges cheque no 001231
5x clearence fees
o/d unauth charge
etc
travelgirl

[travelgirl]

Re: Travel girl - Hardship claim

well its taken me ages to try and get this together tyvvm for helping me
heres what ive got


Xxxxxxxxxxxxxx
Xxxxxxxxx




Xxxxxxxxxxxxxxxxxxxx
Xxxxxxxxxxxxxxxxxxx
Xxxxxxxxxxxxxxxxxxx


Dear Sir,
I refer to the the above case number xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
I am sure you are aware that the new terms of the waiver have been issued.
I am therefore asking you to review my case as at the time of the charges suffering severe finacial difficulty and am still on a reduced income now due to the loan I had to take out for my day to day expenses as all my benefits were taken in charges.


In making an assessment of financial difficulty the firm will take into account:

(a) loss of employment due to ending employment in which you already have details of my dissability.
(b) My husband being made retired under ill health, leading him to be on incapacity benefit siatica of the spine and hip pain which affects his leg pains.
(c) This applies to me as we were suffering from illness and loosing our house and a reduction in come .
(d) Items repeatedly being returned unpaid due to lack of available funds:
January 12th 2007 up till 11th june 2007, in which you will see on my statements and the originals you have that the charges for cheque number 001321 £250
The charges in feb, marxch april may june were charges
O/D charges clearence fees
Charges for returned cheque interest charges
All continued from jan 07 to 11th june 07, these charges ARE NOT INCLUDED IN THE CHARGES that district judge bryce ordered on his order in blackpool court on 8th january 2008.
You have this on file but I shall enclose it with my correspondence.

April had continued charges as follows
APRIL 02 2007=£20
APRIL02 2007=£30
APRIL 02 2007= £30
APRIL 02 2007=£30
APRIL 02 2007=£30
APRIL 02 2007=£30
APRIL 02 2007=£35
APRIL02 2007=£35
INT 0.38P
TOTAL £295-73P

TERM A051701 date 04/04/2007 time 14:48

As you will see these charges are NOT on the spreadsheet. ENC.

We had court proccedings as we didn’t want to loose our home but through all the problems with charges we couldn’t get the mortgage payments together espically when you took charges from my benefits and left me £1 to live on for a fortnight see your files you already have with all the confirmation you already have.

Upon speaking with a advisior at a branch of abbey on the phone he did see on his computor that the charges I was speaking about he said that this should not have happened and continued all the months if you have the tape do please listen to the conversation. Dated advisors name

I had to take out loans to manage to get food - see my previous and hardship letter that was sent to yourselves and to FOS. On your file.

This is to be treated as indicative of financial difficulty.

My total charges £3117.02 plus intrest as ordered and corrected by District Judge Bryce 08/01/2008 at Blackpool county court .

All documentation you do have on file and Sandra Greene at FOS,


Yours truly,

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

[Amy]

Re: Travel girl - Hardship claim

A few changes for you Travelgirl, it still needs some work though. If you could explain a little more on the comments I have highlighted in red below, this will help a lot.

xx


Dear Sir,

I refer to the the above case number xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

As I am sure you are aware, the updated terms of the waiver have recently been issued. As such, would you kindly review my claim for hardship. As a direct result of the charges incurred I suffered severe financial difficulty. Indeed, I remain on a reduced income due to the loan I had to take out to provide for my basic living needs. I had no option but to take the loan as all of my benefits were and still are taken in charges.

I have set out below the reasons for which I believe I qualify as a hardship case:-

I have lost my job ..............................(what reasons?). My husband has now been forced to retire due to his ill health and as such now only receives incapacity benefit, as do I (is this right?). Have you lost your house too - you should add something about this if you have.

Items have repeatedly been returned unpaid due to a lack of available funds. For the period January 12th 2007 - 11th June 2007, the charges for cheque number 001321 £250 (I don't understand this part, can you explain a little more?).

The charges in feb, marxch april may june were charges
O/D charges clearence fees
Charges for returned cheque interest charges
All continued from jan 07 to 11th june 07, these charges ARE NOT INCLUDED IN THE CHARGES that district judge bryce ordered on his order in blackpool court on 8th january 2008. I don't understand this part either - have you had some charges returned?

You should have all of this on file, but I shall enclose it with my correspondence.

April 2007 alone incurred £295-73.

We had court proceedings as we didn’t want to loose our home but through all the problems with charges we couldn’t get the mortgage payments together espically when you took charges from my benefits and left me £1 to live on for a fortnight see your files you already have with all the confirmation you already have. Again, did you lose your house?

Upon speaking with an adviser at The Abbey on the telephone I was advised that the charges should not have occurred because, (what reasons did he give you?).

My total charges £3117.02 plus interest as ordered and corrected by District Judge Bryce 08/01/2008 at Blackpool county court. What does this part mean?

All documentation you do have on file and Sandra Greene at FOS, (what about Sandra Greene, does she have your information too?).


Yours faithfully,

[travelgirl]

Re: Travel girl - Hardship claim


Thankyou so much i will answer your highlighted Q'S
xxxxxxxxx




Dear Sir,

I refer to the the above case number xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

As I am sure you are aware, the updated terms of the waiver have recently been issued. As such, would you kindly review my claim for hardship. As a direct result of the charges incurred I suffered severe financial difficulty. Indeed, I remain on a reduced income due to the loan I had to take out to provide for my basic living needs. I had no option but to take the loan as all of my benefits were and still are taken in charges.

I have set out below the reasons for which I believe I qualify as a hardship case:-

I have lost my job ..............................(what reasons?). artheritus
My husband has now been forced to retire due to his ill health and as such now only receives incapacity benefit, as do I (is this right?). Have you lost your house too - you should add something about this if you have. see below ty

Items have repeatedly been returned unpaid due to a lack of available funds. For the period January 12th 2007 - 11th June 2007, the charges for cheque number 001321 £250 (I don't understand this part, can you explain a little more?). these charges were repeat charges for the cheque £250 that went on from jan2007 feb same charges doubled feb same charge doubled again in march april may june to the extent that the total charges for the cheque £250 mounted up to £322-94 in charges for the same cheque in jan 07

The charges in feb, march april may june were charges
O/D charges clearence fees
Charges for returned cheque interest charges
All continued from jan 07 to 11th june 07, these charges ARE NOT INCLUDED IN THE CHARGES that district judge bryce ordered on his order in blackpool court on 8th january 2008. I don't understand this part either - have you had some charges returned? no this the total amount of charges as stated above for the same cheque but i have not add these on to the charges being reclaimed as they took me to 3/4 debt recoveries and i telepjhone them and told them that i do not owe this and explained that they are repeated charges for the one cheque

You should have all of this on file, but I shall enclose it with my correspondence.

April 2007 alone incurred £295-73.

We had court proceedings as we didn’t want to loose our home but through all the problems with charges we couldn’t get the mortgage payments together espically when you took charges from my benefits and left me £1 to live on for a fortnight see your files you already have with all the confirmation you already have. Again, did you lose your house? yes we klost our home and had to sell and rent it back as we didnt want to loose our home and this was the only way around it to keep our home

Upon speaking with an adviser at The Abbey on the telephone I was advised that the charges should not have occurred because, (what reasons did he give you?). he didnt he just apolygised and said that abbey were wrong for chargeing me the same charges for the one cheque they should have only charged me once not 5 months feb march april may up to 11th june 07

My total charges £3117.02 plus interest as ordered and corrected by District Judge Bryce 08/01/2008 at Blackpool county court. What does this part mean? i went to court 8th jan 2008, and DJ Bryce put it on his order the total charges with interest i am trying to reclaim from abbey as the judge wanted to lift the stay on my case and he told me that he phoned abbey to have the stay lifted but abbey told judge bryce that they would appeal against it with the oft test case starting on the 14th judge bryce also said he had read my claim/case in detail and felt for me that he then turned to abbeys rep and told her that he blames abbey for my situation so he ordered that it is recoreded that that the value of the calim is £3,117.02 with interest.

All documentation you do have on file and Sandra Greene at FOS, (what about Sandra Greene, does she have your information too?).yes everything i have sent to abbey is with sandra greene the adjustication (spelt wrong sorry) officer at FOS as the fos said i have a case and was referred to case worker) it is all here in this thread ty


Yours faithfully,

i think and have tried to answer the best way i can tysavvvvm for your help
hugs
travelgirl i have sent scooby my charges sheets.

[Amy]

Re: Travel girl - Hardship claim

Thanks for explaining that for me Travelgirl, it's much clearer now. I'll do some more edits for you.

xx

[Amy]

Re: Travel girl - Hardship claim

Next edit Travelgirl and a couple more points for you to answer.

Do I have all the points correct?



Dear Sir,

I refer to the above case number xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

I am sure you are aware the updated terms of the waiver have recently been issued and I believe I have a very strong claim as one of severe hardship.

I have set out below the reasons for which I believe I qualify:-

My husband and I have both been forced to give up our respective jobs due to ill health. We now only receive incapacity benefit (is this right, or do you receive other benefits?) and the bulk of this money is still being taken in charges.

Items have repeatedly been returned unpaid due to a lack of available funds in my account. In April 2007 alone I incurred £295.73, which is a huge sum of money to lose from one month when you are only in receipt of benefits. This is also compounded by the fact that we had take out a loan as we were unable to provide for basic living needs.

In (date) as a direct result of these charges together with the added financial burden of loan repayments, we became unable to maintain our mortgage payments. We subsequently had our home repossessed.

My charges to date total £3,117.02 plus interest as ordered and corrected by District Judge Bryce (8th January 2008) at Blackpool county court. District Judge Bryce even went as far as to inform the Abbey representative at the court that he blamed them for my dire financial situation.

I have included Sandra Greene of the FOS in all my correspondence, all of which
you should have on record. Ms Greene also believes that I have a strong claim for hardship.

In light of the above and the updated waiver rules, would you kindly review my case.

I look forward to hearing from you.


Yours faithfully,

[Budgie]

Re: Travel girl - Hardship claim

Excellent job Amy and TG, it's looking v good.

Budgie

[travelgirl]

Re: Travel girl - Hardship claim

aw bless you are a star
Dear Sir,

I refer to the above case number xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

I am sure you are aware the updated terms of the waiver have recently been issued and I believe I have a very strong claim as one of severe hardship.

I have set out below the reasons for which I believe I qualify:-

My husband and I have both been forced to give up our respective jobs due to ill health. We now only receive incapacity benefit (is this right, or do you receive other benefits? ) i get SDA, DLA mobility) Abbey closed my account without informing me on 26 june 07.

Items have repeatedly been returned unpaid due to a lack of available funds in my account. In April 2007 alone I incurred £295.73, which is a huge sum of money to lose from one month when you are only in receipt of benefits. This is also compounded by the fact that we had take out a loan as we were unable to provide for basic living needs.

In (date) as a direct result of these charges together with the added financial burden of loan repayments, we became unable to maintain our mortgage payments. We subsequently had our home repossessed.

My charges to date total £3,117.02 plus interest as ordered and corrected by District Judge Bryce (8th January 2008) at Blackpool county court. District Judge Bryce even went as far as to inform the Abbey representative at the court that he blamed them for my dire financial situation.

I have included Sandra Greene of the FOS in all my correspondence, all of which
you should have on record. Ms Greene also believes that I have a strong claim for hardship.

In light of the above and the updated waiver rules, would you kindly review my case.

I look forward to hearing from you.
************************************************** *****************

At the time i have sent abbey and sandra greene this as well

2006
jan 10th DLA MOB £233.40
FEB 7TH DLA/MOB 233.40
MARCH 7TH DLA/MOB £233.40
APRIL 4TH DLA/MOB £233.40
MAY 2ND DLA/MOB £238.40
MAY 30TH DLA/MOB £239.80
JUNE27TH DLA/MOB £239.80
JULY 25TH DLA/MOB 239.80
AUG 22ND DLA/MOB 239.80
SEPT19TH DLA/MOB 239.80
OCT 17TH DLA/MOB 239.80
NOV 14TH DLA/MOB 239.80
DEC DLA/MOB 239.80

2007
JAN 10TH DLA/MOB 239.80

[travelgirl]

Re: Travel girl - Hardship claim

please can someone check my lletter so i can send it to abbey and fos
thanku so much tg

[Amy]

Re: Travel girl - Hardship claim

Tidy up the bits about your benefit, add the date (comments in red) and it's fine.

[travelgirl]

Re: Travel girl - Hardship claim

Dear Sir,

I refer to the above case number xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

I am sure you are aware the updated terms of the waiver have recently been issued and I believe I have a very strong claim as one of severe hardship.

I have set out below the reasons for which I believe I qualify:-

My husband and I have both been forced to give up our respective jobs due to ill health. We now only receive incapacity benefit i get SDA, DLA mobility Abbey closed my account without informing me on 26 june 07.

Items have repeatedly been returned unpaid due to a lack of available funds in my account. In April 2007 alone I incurred £295.73, which is a huge sum of money to lose from one month when you are only in receipt of benefits. This is also compounded by the fact that we had take out a loan as we were unable to provide for basic living needs.

In may 2007 as a direct result of these charges together with the added financial burden of loan repayments, we became unable to maintain our mortgage payments. We subsequently had our home repossessed.

My charges to date total £3,117.02 plus interest as ordered and corrected by District Judge Bryce (8th January 2008) at Blackpool county court. District Judge Bryce even went as far as to inform the Abbey representative at the court that he blamed them for my dire financial situation.

I have included Sandra Greene of the FOS in all my correspondence, all of which
you should have on record. Ms Greene also believes that I have a strong claim for hardship.

In light of the above and the updated waiver rules, would you kindly review my case.

I look forward to hearing from you.
************************************************** *****************

At the time i have sent abbey and sandra greene this as well

2006
jan 10th DLA MOB £233.40
FEB 7TH DLA/MOB 233.40
MARCH 7TH DLA/MOB £233.40
APRIL 4TH DLA/MOB £233.40
MAY 2ND DLA/MOB £238.40
MAY 30TH DLA/MOB £239.80
JUNE27TH DLA/MOB £239.80
JULY 25TH DLA/MOB 239.80
AUG 22ND DLA/MOB 239.80
SEPT19TH DLA/MOB 239.80
OCT 17TH DLA/MOB 239.80
NOV 14TH DLA/MOB 239.80
DEC DLA/MOB 239.80

2007
JAN 10TH DLA/MOB 239.80

------------------------------- merged -------------------------------
hi amy have i done this correctly please
tyvvvm tg

[Amy]

Re: Travel girl - Hardship claim

Yes, that is perfect, but don't add anything except your signature and name under "I look forward to hearing from you"

[scoobydoo]

Re: Travel girl - Hardship claim

see thread for outspoken v abbey
go straight to Ronan

I think he was the one who sorted Simons claim