hi Martin iv just sent this letter to them, which they have received and are now dealing with!what do you think of my letter? i just wrote how it is wnd how i feel!! Dear Nehla Suleman I have attached all my documents to try to show you that I am in severe hardship, and am still about to lose my home. If I do not clear my rent account by the court date given (17th Feb), I will be evicted with 28 days to vacate my property. I have faxed you these documents three times since our last conversation in October but you inform me that you have not received them. I have now been in touch with the Ombudsmen who have advised me that the Halifax should be looking in to refunding my bank charges on the grounds of hardship due to my case having all the required evidence that falls into this criteria, I applied for my bank charges to be returned on the grounds of hardship in July 09 ,You declined this, I applied with changes in circumstances in October 09 as my Housing Association applied for possession of my home . I faxed all the relevant documents you requested more than once, for you to reply back advising me that you need actual proof of my eviction. Do I have to lose my home first, before you look at my case on the grounds of hardship? I am working myself sick concerning my eviction date mainly about were my two boys and I shall live. The Halifax say that I need to supply more proof of my eviction to support my hardship claim, I can not think of anything to be more hardship than a lady who has tried to bring her two boys up the best she can ,worked for ten years, achieved a degree in nursing, only to have this taken away by being sent to prison ,having a criminal record now held against me for £1,600 outstanding fines , This nearly finished me I had never been so humiliated in all my life ,id never been in trouble previously ,I had not and never will stole or hurt anybody ,but yet I was sentenced to 40 days in prison treated like a criminal and have my dignity and pride as a human being and also as a parent taken away from me , This I also provided to you as evidence along with solicitors letters and court letters in July 2009 when I made my first claim. This was an experience I shall not forget and has had an effect on my personal life, my own self esteem and the way I perceive life very differently ,People rape and leave there children alone while they go out drug taking ect for days and receive a suspended sentence (news bulletin two months ago) ,A hard working caring mother of two in financial difficulties receives a prison sentence that has damaged her career along with now having a low opinion of herself and feels a disgrace as a parent for being placed in the criminally convicted category. When I go to court if I have not cleared my account then I will lose my home ,This is all highlighted for you to proof that I am on an introductory tenancy were they have the powers to evict me without a choice of paying back weekly, I gave you consent to talk to Housing regarding any information you require on my claim, if you require any further information she is more than happy to talk to you as she now informed of the reasons why you got in contact with her and for what reasons. I have had more charges applied to on my account while this has being assessed, a week before Christmas an amount of £250 was taken in the space of two days from my account this meant that I had to explain to my twelve year old and hope he understood that he isn’t getting an think for this Christmas, this he understood of course as his little brother was priority with his belief in Santa ,but this does not excuse the fact that this shouldn’t be happening to me when you are aware of my situation , but yet you still go ahead and continue to make things more harder than they are . You can see am struggling by my account I have an overdraft of £650 am never in the black am always in the red if not over. My home, my roof over my children’s head is important to me I have no family around us I manage alone with my two boys since the disappearance of Rick my partner last May, this is when my world crumbled and things got to much, but my two boys need me and that was enough to stand up and fight for all the dark patches that had clouded my life and pull my self together. I have been in touch with the Ombudsman purely because i think I am being overlooked and my case not handled as an individual as it meets all the criteria for severe hardship ,i have no intention of giving up with fighting for my case to be heard properly. Please can you review my claim as an individual case and inform me of your decision as quickly as possible, I understand that you have more important matters to attend first and apologise, but i put to you that this is the most important to me with me not much time left before my court date . Kind Regards

I Posted it as a letter on here as didnt really understand what you were , i just needed help , and still do.I have subscribed to another thread to , im still trying to figure this site out please excuse me if i am not explaining myself fully. Kind Regards Jordan27

Hi yes its the Halifax bank !!.

Thankyou for your message you have made me feel a little more hopefull and made me relise that theres people out there going through the same as me . I look forward to hearing from you and any advice you may have to offer. Kind Regards Hayley

Dear All Im so sorry im not very good with my gramma, I dont really understand it on here ,i just want somebody to help me ,what are carriage returns?. Going back to the gentleman who said about me not going to prison!!on the 12th March 2009 i was sentanced to 40 days in style HMP for my fines an amount of £1600 , i am a registered nurse i done my degree at the age of 22 and worked very hard to gain this while bringing up my first son alone,because of my sentance i am classed as having a criminal record!this means my carreer has been ended, my two boys were with my best freind for 20 days while i served my sentance, i am now reluctant to enter any court room, i have never been in trouble with the law previously before this ,but they didnt care about my sittuation ,even the fact that after my second child in may 2006 i suffered servere postnatal depression due to the problems i had in birth and my partner ,the father to my second boy was killed in a tragic accident when i was 5 months pregnant,my solictor tryed her best to explain my sittuation but he mereley just wanted me away and set an example unless i could raise the cash of £1600 i would stay there in custody till my release date , this i done and rose through it and have bounced back, i then had to find another way of income, so i went into sales. My world at the moment seems as if everything is falling apart and no matter how hard i try it just falls again. The bank know all this they have had proof from solictors letters ,my setance papers my ex employee to state that they had to let me go due to my sittuation with HMP. My rent arears amount to £2900 and no im not getting housing benifit i need to put my claim in next week as i am now not working . Who can i go to that will fight my case with me i have 5 weeks to go befor served on me !!.Golden gates never helped me sort this out they basically just let the amount go up and up then knocked on my door 27th July to serve the papers on my court date in October, the only reason why it has been delayed till 17th Feb 2010 is due to my housing not turning up in court!! that was a day i had to take off work for nothink . Shall i write to the Ombusman? or shall i get a solictor on it ?is it worth it?could a solictor do anythink? my charges from the bank amount to £4000 if they would just pay my rent arears for me i would be happy . Many thanks for trying to help me i really dont know what im doing on here im trying to learn just feel like my time is running out.Many thanks for the removal of my personal details to !!!woops i should of noticed that . Kind Regards Hayley.

Dear Whom it may concern Back in July i have put a claim in on the grounds of hardship for my bankcharges, they declined this "obviously" so i appealed !at the time my situatuion was hardship through finacial difficulties which i sent them solictors letters all my outstanding debts including the one were i was liable for prison for my council tax,they declined again . Then in August i had a summons to go to court from my local housing office Golden Gates in Warrington, they are taking me for possesion of my home as im on an introdutory tenancy so they can !so i put another claim in see if i could get my money back in order to stay in my home!they have asked for the possesion papers which i have faxed a couple of times as they keep on saying they have not received them, they are basically delaying me as when iput in for these she was very helpfull i have even given them authority to speak to my Housing Officer which they have done .I am in court again on the17th Febuary for the possesion to go ahead unless i can clear my arrears in the mean time which is £2500 and rising with court costs i am looking at going prison for my council tax! i dont know which way to turn my two boys and me have no family around and i fear for the welfare of us all, the Halifax bank owe me nearly £4000 in bank charges if they would just give me my rent areas i would be happy and settle my claim.Please can you help me or point me in the right direction as i dont have much time !!the bank have said they need the possesion papers meaning i have to go to court first have an eviction notice put up against me in order for my grounds of hardship!!they have had letters and corrosponded with Golden Gates, and have been informed that i need to clear these arears before the court date in order for us to be able to stay in home. what more evidence can i give them that i am Suffering on the grounds of hardship. I have a £650 overdraft which is to its limits they charged me again £210 in one week the week before xmas for not having funds in my account for direct debits!! this meant are xmas was ruined and im not looking for sympythy but my 12 year old had one present to open which cost £20, this is because of them taking my xmas money from me. i am curently unemployed as i am not able to do full time due to my partner up and leaving last May this is were all this accumlates from, i have been forced to find another job that will fit around my commitments, this im in the process of doing the bank know im not working as they see my payments, i get working tax still and child tax as i have another 2 weeks to find a job, before putting me on to income support.Please help me """""". yours faithfully Hayley owen

Dear Whom it may concern Back in July i have put a claim in on the grounds of hardship for my bank charges, they declined this "obviously" so i appealed !at the time my situatuion was hardship through finacial difficulties which i sent them solictors lettters all my outstanding debts including the one were i was liable for prison for my council tax,they declined again .Then in August i had a summons to go to court from my local housing office Golden Gates in Warrington, they are taking me for possesion of my home as im on an introdutory tenancy so they can !so i put another claim in see if i could get my money back in order to stay in my home!they have asked for the possesion papers which i have faxed a couple of times as they keep on saying they have not received them, they are basically delaying me as whem i put in for these she was very helpfull i have even given them authority to speak to my Housing Officer which they have done .I am in court again on the17th Febuary for the possesion to go ahead unless i can clear my arrears in the mean time which is £2500 and rising with court costs i am looking at going prison for my council tax!i dont know which way to turm my two boys and me have no family around and i fear for the welfare of us all the Halifax bank owe me nearly £4000 in bank chgarges if they would just give me my rent areas i would be happy and settle my claim.Please can you help me or point me in the right direction as i dont have much time !!the bank have said they need the possesion papers meaning i have to go to court first have an eviction notice put up against me in order for my grounds of hardship!!they have had letters and corrosponded with Golden Gates and have been informed that i need to clear these arears before the court date in order for us to be able to stay in home,what more evidence can i give them that iam Suffering on the grounds of hardship. I have a £650 overdraft which is to its limits they charged me again £210 in one week the week before xmas for not having funds in my account for direct debits!! this meant are xmas was ruined and im not looking for sympythy but my 12 year old had one present to open which cost £20, this is because of them taking my xmas money from me, i am curently unemployed as i am not able to do full time due to my partner upand leaving last May this is were all this accumlates from, i have beenforced to find another job that will fit around my commitments, this im inthe process of doing the bank know im not working as they see my payments i get working tax still and child tax as i have another 2 weeks to find a job, before putting me on to income support.Please help. Yours Faithfully Miss Owen