reclaiming bank charges under hardship waiver

[yecats2885]

has anyone had any success with the hardship waiver for claiming charges

tsb have taken �1200 charges over last few years, and the account is -697 which �660 is charges.
so i am claiming �1860 in charges with paying them 697 if that makes sense.

i am �2600 in the red with nationwide, �500 in the red with halifax, 4 months in arrears with council tax , and am regulary using credit cards to pay for petrol and food.

i have received a letter from apex credit managemwnt chasing the 697 debt from me.
i have spoke to them and after a long argument they have agreed to hold on proceedings until i get a reply from tsb.

any advise

[dot.hawkes]

Why have you waited so long to claim your charges, i claimed mine nearly 2 years ago! go to the moneysavingexpert.com site and get a claim form filled in, get in the queue, they've won the first phase anyway. This hardship thing is just to put you off claiming i reckon

[yecats2885]

i did try to claim a year ago but it was rejected as it was overdrawn because the test case was on hold.
but now due to a change in finance circumstances i get claim under the hardship waiver, i have seen the template on there but i bet every tom dick and harry in the country have used it so its not gonna stand out, i just wanna know if anyone has any any luck with the hardship waiver, and if they didnt send the template letter what did they send

[yecats2885]

btw the hardship waiver is to benfit the customers not the banks, its specifically for people who are struggling in the recession to get their cases looked at by the FOS

[Uzoma]

I know someone who was able to get over �2,000 from Natwest under the financial hardship waiver. They started the process in November 2008 and the payout came in March 2009 (that's right, this month!) Start to finish, 4 months which includes a delay of 1 month.
However, Lloyds doesn't seem to want to play ball. www.moneysavingexpert.com will really help with this. Don't give up - also, read the forums on the website I gave you because people that have been successful will put their hints and tips on it. All the best.