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Bank Charges/Hardship- latest letter
Hi everybody,
I haven't been around as much as the dreaded 'lurgy' finally caught up with me (the cold bug/flu type thing- not the DCA's;-0) so been feeling pretty yuk to put it mildly... and still got the hacking cough and no energy (but its just a cold, nothing serious-just inconvenient).
Anyway, I'm somewhat confused with the bank and their handling of my claim/complaint etc under hardship. The last correspondance I had, prior to this letter (which I posted up last week or around ten days ago?), pretty much said 'no way, go away'. Then this came the other day. It looks pretty standard except for a paragraph on the second page, which refers to my hardship claim and says they note further information had been requested by their debt management dept and saying (quote) ...' I strongly recommend that this information is provided as soon as possible to allow a full review of my circumstances...'
For my part, I feel like I'm going crazy or missing some basic point as I have sent them all the information they requested (ie, income expenditure statements, proof of income, proof of utility bills, etc etc etc... in fact, twice. Weeks ago, back in October.
I got letters for a while apologising for delay and saying they were 'still investigating' etc, but to me, it seems they haven't done anything to address my claim under hardship, other than bide their time and skirt atound the supreme court outcome/OFT issues. I just feel like I've been led around in circles and strung along with no real outcome. If they'd actually made a decision based upon all the info they've had from me and given legitimate reasons as to why they can't or won't help, then I could at least know I'd done everything in my power to fight my corner and 'move on'. However, to me, this is just not an acceptable conclusion to months of supposed ly 'investigating my case'. Or am I expecting too much? I'm going to post their latest 'offering' and once again, ask your help in how I might proceed with this?
I also got another letter within 2 days of this one asking that I phone and speak to them. I haven't rang yet as I wanted to get your advice first as to why they might want me to phone (given they've effectively said they won't help or atre satisfied with their own dealing of my case?). I just don't want to blow any potential chance that they might actually agree to repay some of the £5,000 plus charges they've taken from me, since I've yet to receive anything and never did get any interim refund or anything. (I realise my chances are probably very slim but I feel I can't give up as they haven't been fair at all.).
OK, sorry again my use of language seems to have completely taken leave and what's left is a tad woffly.... ( on top of this, things look like they're about to get worse still; as I was summoned for one of the infamous ESA medical assessments on saturday morning. It didn't go too well as I was late for it (had to stop cab to get out and be sick!! cos I was so stressed about it). Then the questions they ask, which they award you points for, are so limiting and really quite irrelevent to my disability... I tried explaining this to the poker face who was assessing me, whilst being completely honest, but my gut feeling is the next slap in the face will having ESA revoked and having to go through appeals process with this too. Knock on from that was I just didn't have the energy to get to my own appointment with specialist at endocrinology yesterday morning. So, everything's a bit of a mess to be honest and feeling like I'm about to sink. (But still got a bit of fight left- sinking aint an option when there's little uns to think about). Anyways my friends, that the recent goings on with me and mine. Once again, thank you for your patience in reading this and in advance (as well as retrospectively) for all help and advice.
Hope everyone is hanging in there. I know I'm not the only person having a tough time; your strength and commitment is always a source of rock solid support and comfort.
Thanks LB's. Hugs, CatXXX
PS will upload letter next x
I haven't been around as much as the dreaded 'lurgy' finally caught up with me (the cold bug/flu type thing- not the DCA's;-0) so been feeling pretty yuk to put it mildly... and still got the hacking cough and no energy (but its just a cold, nothing serious-just inconvenient).
Anyway, I'm somewhat confused with the bank and their handling of my claim/complaint etc under hardship. The last correspondance I had, prior to this letter (which I posted up last week or around ten days ago?), pretty much said 'no way, go away'. Then this came the other day. It looks pretty standard except for a paragraph on the second page, which refers to my hardship claim and says they note further information had been requested by their debt management dept and saying (quote) ...' I strongly recommend that this information is provided as soon as possible to allow a full review of my circumstances...'
For my part, I feel like I'm going crazy or missing some basic point as I have sent them all the information they requested (ie, income expenditure statements, proof of income, proof of utility bills, etc etc etc... in fact, twice. Weeks ago, back in October.
I got letters for a while apologising for delay and saying they were 'still investigating' etc, but to me, it seems they haven't done anything to address my claim under hardship, other than bide their time and skirt atound the supreme court outcome/OFT issues. I just feel like I've been led around in circles and strung along with no real outcome. If they'd actually made a decision based upon all the info they've had from me and given legitimate reasons as to why they can't or won't help, then I could at least know I'd done everything in my power to fight my corner and 'move on'. However, to me, this is just not an acceptable conclusion to months of supposed ly 'investigating my case'. Or am I expecting too much? I'm going to post their latest 'offering' and once again, ask your help in how I might proceed with this?
I also got another letter within 2 days of this one asking that I phone and speak to them. I haven't rang yet as I wanted to get your advice first as to why they might want me to phone (given they've effectively said they won't help or atre satisfied with their own dealing of my case?). I just don't want to blow any potential chance that they might actually agree to repay some of the £5,000 plus charges they've taken from me, since I've yet to receive anything and never did get any interim refund or anything. (I realise my chances are probably very slim but I feel I can't give up as they haven't been fair at all.).
OK, sorry again my use of language seems to have completely taken leave and what's left is a tad woffly.... ( on top of this, things look like they're about to get worse still; as I was summoned for one of the infamous ESA medical assessments on saturday morning. It didn't go too well as I was late for it (had to stop cab to get out and be sick!! cos I was so stressed about it). Then the questions they ask, which they award you points for, are so limiting and really quite irrelevent to my disability... I tried explaining this to the poker face who was assessing me, whilst being completely honest, but my gut feeling is the next slap in the face will having ESA revoked and having to go through appeals process with this too. Knock on from that was I just didn't have the energy to get to my own appointment with specialist at endocrinology yesterday morning. So, everything's a bit of a mess to be honest and feeling like I'm about to sink. (But still got a bit of fight left- sinking aint an option when there's little uns to think about). Anyways my friends, that the recent goings on with me and mine. Once again, thank you for your patience in reading this and in advance (as well as retrospectively) for all help and advice.
Hope everyone is hanging in there. I know I'm not the only person having a tough time; your strength and commitment is always a source of rock solid support and comfort.
Thanks LB's. Hugs, CatXXX
PS will upload letter next x
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