Starting a Hardship Claim for Charges from HSBC....help!!!

[TiggyMoo]

Hi!!

 

Right.....I'm on a mission to get my finances sorted out a bit.

 

I had a bank account with HSBC, that was closed a few years back. I know there were loads of charges and have sent a subject access request to HSBC today.

 

Just a question about the F.Hardship 'criteria' I guess. I have done an income and expenditure sheet (sort of) could you have a nosey? Should I include things like leisure/education materials.

 

I have BIG debts from Council Tax, Housing Association (not current address), Utility bills and other rubbish like O2 phone, Provident.....the list goes on. I haven't yet set up payments for these debts.

 

Do I need to list the payments I will have to make for these debts? Or just include photocopies of the letters from them?

 

Here is the income and expenditure info:

 

Monthly Income

Wages

391

Student Loan

400

Total

791

 

Monthly Expenditure

Rent

360

Council Tax

40

Electricity

30

Water

30

Phone/Internet

25

Food etc

140

Child Maintenance

80

Travel

60

Leisure

30

Education (books, materials etc)

40

Total

835

 

 

Totals

Income

791

Expenditure

835

Total Deficit

-44

 

 

As soon as I start making payments to Welsh water and Council tax.....my finances are going to be a total mess (again). It's like going round in circles!

 

Thanks in advance for any advice/help!

 

TiggyMoo x

[yourbank]

Financial hardship is about current hardship so if the account is closed then it is not a financial hardship case because the account was closed 2 years ago, and that the account is not CURRENTLY causing you financial hardship as they are making no charges to your closed account.

I would be looking at pursuing your current bank account provider plus perhaps looking at charges to credit card, catalogues, store cards if any exist.