Abbey National Hardship Case

[scared001]

after much battling and constant phone calls, abbey upped the stakes and have offered me an amount re my case. its nowhere near the original claim that i put in but is going to help me with bills etc....

 

question is...do i accept this and put this to bed or carry on asking???

 

has anyone else had similiar experience?

 

thx.

[yourbank]

There is nothing that stops you accepting it and still asking for the full amount but it would not be under financial hardship though. It does not mean that should there be a further period of hardship that you couldn't go back and ask for a refund of future charges and interest(if you get what I mean) for that period of hardship.

[scared001]

thanks yourbank. would you say that is likely though, given the recent OFT outcome etc...everything is such a battle right now!!

 

take the money and run perhaps.......

[yourbank]

thanks yourbank. would you say that is likely though, given the recent OFT outcome etc...everything is such a battle right now!!

 

take the money and run perhaps.......

 

I have to say that BCOBS still is in force(formerly the lending code). I'm having a good look at that at some point this weekend because it is very similar to the FSA Waiver on Bank Charges(no longer in use). The approach is similar but the important thing that many people do not get is that it is about things that lose you your house, your liberty, etc,etc, and you might in financial hardship on one account but not another account.

[scared001]

sorry if im sounding dim here but what does that exactly mean for people like me? do i further write again to abbey and ask for more? not sure i follow is all.

[yourbank]

the "you" is not aimed at you, it is merely my phrasing of it. Apologies for misunderstanding. I think whether you accept/decline/ ask for more has to be about what the money does for your hardship today. If it alleviates it, then I would accept it.