Have you a *Hardship* case in progress, or have you won/lost one.

[Mr lex]

We are trying to evaluate the current lack of success in Hardship cases.

 

If you have a case in progress, or you have just won/lost one could you post details below. A link to your thread would be good too.

 

It would be good to have such details as,

 

What stage are you at,

 

How long has the process taken from applying to where you are now,

 

If possible, could you post any letters or judgments you have received.

 

A link to your thread would be useful.

 

A reminder.

 

Although the banks have a ongoing test case with OFT there are a number of reasons why you should continue to claim at court now.

 

Any older charges (coming up to 6 years) could be lost if you wait for the OFT case to end. Although we believe once you start your claim you should still be able to claim these, don't take any chances. Take your claim to court now and those charges are protected.

 

When the stays are finally lifted, you will be one of the first in the queue to get paid.

 

While the banks are protected by the stays, we the consumer, have no such protection and charges continue to mount up.

For some people this may mean going into default. If it is clear that the default was made in respect of charges and that it was lodged after a charges claim was begun then these users have a really excellent chance of having it removed.

 

Thank you for any help you can give

 

Lex

[Mr lex]

Hi Buby x,

 

First of all thank you for passing on this information, we shall watch your progress with interest.

 

Have you sent the two banks a spreadsheet listing your income/outgoings?

 

It is also most important that you proceed with your claim down the usual route and file at court, please make sure you do this with both claims.

 

I fear that the question to the court will fall on deaf ears, if you want to try and get the stays lifted have a read of this link :-

 

http://www.consumeractiongroup.co.uk/forum/general/108430-stays-info-guidance.html

 

If you do go down this route, please post your letter to the court or your N244 form here so we can have a quick check.

 

Here are the links to your threads

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/165537-financial-hardship-claim-against.html

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/99071-buby_x-abbey.html

 

Lex

[Mr lex]

Hi Buby,

 

Not to many with Barclays yet. Abbey seem to be taking their obligation under the guide lines serous. The best of them appear to be Halifax and BOS.

 

Lex

[Mr lex]

Hi JGJ,

 

You now need to think about going to court, both to have the stay lifted and to have the defaults removed. I find this very upsetting as the case is obviously in dispute

 

Have a look here :-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115023-application-removal-stay-grounds.html

 

And the link I posted above :-

 

http://www.consumeractiongroup.co.uk/forum/general/108430-stays-info-guidance.html

 

If you submit a N244 please post it here for people to check.

 

Lex

[Mr lex]

Thats great news Buby.

[Mr lex]

Hi Linzih,

 

Your best plan now is to ask your local court for a hearing.

 

Have a good read up here :-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115023-application-removal-stay-grounds.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115276-skeleton-argument-stay-hearing.html

 

You need to do this on form N244 :-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

 

If you go down this route, please post you N244 before submission so we can have a look over it for you.

 

Hope this helps, sometimes it's the only thing to get the banks to face-up to their obligations.

 

Lex

[Mr lex]

ohoh,

 

Well done on your 'Hardship' case.

 

Do you have a thread in the 'repo' forum? It might be someone here can help.

 

Lex