chubbas dad v reliance & fester

[chubbas dad]

well i sent off the expenditure and income forms and today i find out i may be unemployed by the end of this week. ( what a bummer). should i throw this at them post haste?

[j.barton1]

fingers crossed hun xx

[chubbas dad]

had a letter from a & l yesterday. they didnt recieve my expenditure form?.so i plucked out my post office reciet and quoted the ref number- i then said in a timid voice..........but its been signed for at your office mr.low and behold the response was " oh ............yes.............i see!!! it must have got crossed in the post. sorry for any inconvieniance you should get a response soon!! goodbye!!" ah i love the post office.

[chubbas dad]

thanks jen.where you been hiding?

[chubbas dad]

had a response from a & l yesterday.basically saying get lost fat lad.you have sufficient disposable income in order to meet your current financial commitments and reasonable living expenses.they did not show any "workings out" as my maths teacher used to say and i am baffeled as to how you make £228 spread out over my bills ie, rent, £100, gas, £15, elec, £15, water, £20, tv lic, £3.14,phone, £7.50, petrol, £15,clothing £12.50 council tax,£25.50,house ins £1.64 and i aint even fed the family yet.now im not an accountant or a banker and i can see from this that it just dosnt add up!!! god they make me angry.

[charleyfarley]

Well, by my maths, you've got £12.72 a week to buy food for the family................loadsamoney:p you've paid your water bills, so this should buy about 20 loaves of bread each week, that'll soon stop you being a fat lad:D.........what more d'you want;)

 

 

 

On a serious note, I'd write a reply insisting that A&L show their calculations, and what figures they're using to reach this conclusion, and advise them that you'll be contacting the FSA for their interpretation of your I&E analysis.

[j.barton1]

not been hiding hun- just not been around lol- kids and work taking up too much time haha, hope things are ok....things don't seem to be moving too quick round here. i think theyre due in court again this month? i'll have to have a look round x

[chubbas dad]

nice one jen.ty for the tips.ill knok a letter up when i get home later and see what happens.;-)

[j.barton1]

no probs hun, in court again end of month by the looks of it xx

[gingerlover]

hi guys

 

I have a problem with charges and A&L canyou help

 

cheers

[chubbas dad]

evening all. threw this together for a & l ,any sugestions as to how or if it needs elaborating?

 

cheers.

 

 

Dear sir/Madame

 

thank you for your response to my application for a refund of charges due to financial hardship.

 

I note that your response begins “it would appear that you have sufficient disposable income in order to meet your current financial commitments and reasonable living expenses.” yet you do not elaborate on how you came to this decision,. Therefore I must insist that you show your calculations, and explain what formula you are using to reach this conclusion. I must also inform you that I will be contacting the FSA for their interpretation of my income and expenditure analysis.

[chubbas dad]

hi ginger

 

 

just keep posting someone will respond.and there are still plenty of others you can chat to.like me although im no expert and i dont give advice. apart from read as much as you can on the forums and bump yourself to the top.

 

good luck mate .

 

never give in is my moto.

[gingerlover]

cheers chubba

 

its early days but time for action wheres my starting point for financial hardship mate

 

ginger

[chubbas dad]

fed up ...............wish this would all end ..........

[yourbank]

fed up ...............wish this would all end ..........

I joined this discussion late but on the income and expenditure form did you include Household income and expenditure?

 

And are there priority debt arrears(mortgage/rent, council tax, utilities)?

[jansus]

Hi Chubba

 

dont give up yet - you are right to keep trying if you believe you are a hardship case

[chubbas dad]

i am sort of not giving up,if you know what i mean,

i included every pennie that comes in and every pennie that goes out.it left me with a minus figure at the end of every week and i explained that i rob peter to pay paul.i have asked them to show the calculations they used to determine the sufficient disposable income.

 

but they have basically said, get lost chubbs.if you want to follow this up go to the ombudsman, or the fsa ,you have six months to continue your claim.

 

 

 

grrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr!!!

[yourbank]

 

And are there priority debt arrears(mortgage/rent, council tax, utilities)?

and the second question?

[chubbas dad]

yes i have some rent arrears and have recently lost my job.but they arnt interested!!!

[jansus]

Tell them )A&L) you are making an official complaint to the FOS .

 

I know it will take time but for the sake of one more letter its worth a try.

 

 

Tell them you consider you are a genuine hardship case under the terms of the waiver. A&L will not confirm why they consider you are not and have not assisted you at all.

 

I am fed up to the teeth with them as well and have just closed my account with them as they have applied more charges. I will be putting in my claim and then sitting tight I guess.

 

Give me a shout if you need some help with the letters, although I am sure you are cabable:) you are probably fed up to the back teeth of doing them.

[chubbas dad]

................how do everyone.well, i have now decided to go ahead with another (yes another) shot at the hardship case approach.any ideas about wording my appeal against their decision would be a great help.they gave me six months to appeal their decision that they made in june 09 .so i need to get my finger out so to speak.

[Bigmark]

Hi chubbas

 

Google BBC News 24, ( business page ) good article today from FOS about hardship claimsand the banks behaviour.

 

good luck

[djh1697]

Hi chubbas

 

Google BBC News 24, ( business page ) good article today from FOS about hardship claimsand the banks behaviour.

 

good luck

a link may be helpful ?

[jansus]

If your situation has not changed - why bother just go straight to FOs

[jansus]

BBC NEWS | Business | Banks rapped over hardship claims