If you are experiencing genuine financial hardship, new guidelines have been setup to help you get your claim heard straight away. Cases of hardship are genuine when your income isn’t sufficient to cover reasonable living expenses or afford necessary financial commitments such as utilities, rent and council tax. Those struggling to repay debts like mortgage arrears or heavy credit card debts may also qualify. Moreover, if the cause of the problem is recent redundancy, disability, seriously illness, imprisonment, relationship breakdown, the death of a partner, starting a lower paid job, parental care leave or starting full time education then this will assist your case. If the above and any of the following apply, you probably have a genuine case for financial hardship:
- Are items repeatedly being returned unpaid due to a lack of available funds?
- Are you failing to make loan repayments or other commitments?
- Is some form of regular income/salary no longer being paid to you? (E.g. have you lost your job?)
- Is there a notification of some sort of insolvency or court proceedings?
- Are there regular requests for increased borrowing or repeated rescheduling of debts?
- Do you make frequent withdrawals on a credit card at a non-promotional rate of interest?
- Do you repeatedly exceed your credit card or overdraft limit without agreement (and, in this regard, where a complaint has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty)?
If you believe that you are experiencing genuine financial hardship, lodge your claim with us immediately. Click here to claim NOW.
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