*WON* traceyrmj against Woolwich... bring it on! *WON *

[paddym]

Tracey they will ive no doubt send you an offer of maybe 50% within the next week or so !

[alan barham]

sorry didnt mean to interfere just dont know who to talk to

[tilly01]

Hi Tracey,
Just wanted to say Thank you, I have now joined this site and have started the ball rolling after seeing your post on UKscrappers, so big thanks and good luck, I'm going after the woolwich as well, so we will see what happens between us!!!

[traceyrmj]

hi tilly, thought i recgnised the name matey
alan, the standard protocol is to start a thread for each bank you are going after. that said you are more than welcome to post here too woolwich sent em a list of charges, i filled out the spreadsheet ( in the library on this site) and then sent then the Prelim letter ( asking for it back) they have sent me a few guff letters offering a timetable for my complant of 26th october, i will ignore that and 14 days after the prelim send the LBA ( letter before action, the give it back please, or ill sue letter) they get 14 more days then i file MCOL ( moneyclaim on line, the online versions of court papers, yes actually suing them) they will defend ( another 14 days ) then they will wait till 27th day of the following 28 days they get to come up with credible eveidence as to why these charges are viable ( they cant cos they aint) and then they will settle the full ammount out of court. basically about xmas time i should get my wedge back toot toot if you need any help there is normally someone about

[paddym]

here here well said tracey !

[traceyrmj]

stuill twiddling my thumbs for some action here

[paddym]

plenty of time tracey just stick to your deadlines !

[traceyrmj]

LBA ready and waiting to be posted on weds cant beelive they have written me 11 letters already and still said nothing! impressive!

[paddym]

nothings changed then we have all had the same !

[traceyrmj]

LBA sent yesterday POD today.

[traceyrmj]

well they got till tomorrow to reply to my LBA, the initial flurry of letters form barclays ( who are dealing with it) has dried up good and proper and have heard nothgin for two weeks now so i guess im back of to court tommorrow

[traceyrmj]

hmmm dilemma, we have been turned down for the parachute account we had set up, not sure i want to issue court papers tomorrow as we "bank" with woolwich, if they decided to close our banking down we would be stuck for dd's etc. might delay untill i have an effective parachte set up but does anyone know how i can check my credit report online and find out why the bank turned us down? ( they didnt say) it was halifax BTW. hmmmm, dilemma

[e28bigalbexley]

Hi Tracey,
They would have to give you 30 days notice to close an account, and although they may i would have thought they may have made some suggestion of this earlier. otherwise would if you file a claim could that not be seen as harrasment?

I wish you luck on it being settled by Xmas but i started against the wooly in june done Subject Access Request,Prelim,LBA,N1,Allocat ion questionaire and got a prelim hearing Jan 27th 2007 AT Dartfod CC.
They seem be takeing it right to the wire unfortunatley.

AL.

[e28bigalbexley]

Originally Posted by traceyrmj

hmmm dilemma, we have been turned down for the parachute account we had set up, not sure i want to issue court papers tomorrow as we "bank" with woolwich, if they decided to close our banking down we would be stuck for dd's etc. might delay untill i have an effective parachte set up but does anyone know how i can check my credit report online and find out why the bank turned us down? ( they didnt say) it was halifax BTW. hmmmm, dilemma

Experian or Equifax do an online check cant remember what it costs but sumtimes they do a trial for a month for free (you have to sign up for a year but cancel it before the 30 days are up.

[traceyrmj]

Originally Posted by e28bigalbexley

Hi Tracey,
They would have to give you 30 days notice to close an account, and although they may i would have thought they may have made some suggestion of this earlier. otherwise would if you file a claim could that not be seen as harrasment?

I wish you luck on it being settled by Xmas but i started against the wooly in june done S.A.R - (Subject Access Request),Prelim,LBA,N1,Al location questionaire and got a prelim hearing Jan 27th 2007 AT Dartfod CC.
They seem be takeing it right to the wire unfortunatley.

AL.

we have our mortgage their so im hoping it will all be ok but if they are goign to take it to court themn we may get clobered

[traceyrmj]

right post has been and nothign form them, so off to court to issue today will probs be served by tues, will post court details when i get them

[closey]

As far as I know they haven't closed any accounts down.

I set up a parachute with Redirecting to Smile Production Site I have a terrible credit history but there were no problems with this account.