has any one won against woolwich

[rhianweir]

has any one won against the woolwich i have sent first letter but really unsure

[paddym]

What are you claiming back a little more detail and someone can advise you !

[rhianweir]

i have just sent my first letter off trying to claim 3500 back early repayment fee has anyone else won against the woolwich

[paddym]

I DONT THINK ANYONE HAS BEEN THAT FAR YET REGARDING CLAIMING THEIR erc BACK FROM WOOLWICH ALTHOUGH I DO BELIEVE THeRE IS ANOTHER MEMBER CLAIMING AGAINST THEIR WOOLWICH MORTGAGE TRY TYPING WOOLWICH MORTGAGE INTO THE SEARCH BUTTON !

[rhianweir]

does this process seem to take longer than claiming from the banks for charges to current account ect

[paddym]

It should not take any longer if your claiming charges on your mortgage account back i.e. late payment fees ,missed direct debit and so forth !however ERCs are a different matter so if i were you i would do a S.A.R - (Subject Access Request) for my mortgage account send the letter from the templates along with £10 cheque and see what it throws up they have 40 days to comply with it !

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[rhianweir]

i have sent letter one template as my solistor had a copy of statement is that right

[rhianweir]

any update has any one won yet

[Deepthroat]

Not yet........

[rhianweir]

thats worrying

[Les Gunn]

Hi rhianweir,

Welcome! Whilst nobody has won yet, 15 ERC's have settled prior to going to Court, so don't be too disheartened

Les.

[k2gixer1]

hello rhianweir..i am also in the process of claiming an erc back from the woolwich..prelim letter going on monday...thanks to paddym for redirecting me here to the correct forum

[rhianweir]

sending second letter off today god aim so worried bank charges are easy but iam more worried about this. do i add 8% from the date they took the erc if i have to do an online claim.

and does anyone know if woowich are good at paying out or not

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[rhianweir]

anyone