Mick vs Woolwich

**CrikeyMick** · 14th June 2006 15:31

Hiya

I'm all ready to delivery a DPA request by hand to the Woolwich, but the account is in my wife's name only. Does anybody know if it came to court would I be able to stand instead of my wife (as she wouldn't be willing to do that and it would rather make action difficult to pursue)?

Regards

Mick
_________________________ ____
Yorkshire icon

DPA sent 09/06/05
Woolwich DPA due 16/06/05
Abbey icon

DPA in progress
Abbey mortgage icon

DPA in Progress
Capital One icon

Settled £20

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Mumofthreeboys · 14th June 2006 15:44

At the very top of the forums page there is a 'buddy' system. Either you can go (I think) or she could appoint a 'buddy'.

**CrikeyMick** · 14th June 2006 16:17

Thanks for your quick reply. I've had a look at the buddy system (as I thought I could use some help myself) but my understanding was that they provided support rather than acting on behalf of the plaintiff.

Mumofthreeboys · 14th June 2006 16:30

I think you're getting a little ahead of yourself.

I don't think it will get that far, but IF it does, there'll always be someone to go with you - moderators are always up for it ;-) .

Cross that bridge when you get to it!!

**CrikeyMick** · 14th June 2006 16:57

Thanks again for your input, but I think you may have misunderstood my question. I am not looking for support, or for outside help if and when things go to court. What I am wanting to know is this; If my wife will have to stand for her own case or can I as her partner stand for her if it does happen to go that far?

I am asking this now because although I will go ahead with action regardless I know that if things do go to that stage she does not want to physically go to court. IE can I have power of attorney icon

(if that is the correct legal term) to act on her befhalf in the recovery action.

Mumofthreeboys · 14th June 2006 17:05

I would have thought she'd have to attend (just guessing), but I can't see why you couldn't be her buddy!!

**closey** · 15th June 2006 12:23

This website:

http://www.adviceguide.org.uk/index/...all_claims.htm

states:

A lay representative has the right to speak on behalf of a party at the final hearing, but only if that party attends the hearing.

**CrikeyMick** · 15th June 2006 16:02

Excllent, thank you. That was exactly what I was looking for. Well not quite, but it does answer my question

.

**closey** · 16th June 2006 08:41

You're welcome, best of luck.

**CrikeyMick** · 16th June 2006 13:13

Ok, no reply to my original polite request for details of bank charges (not that I expected one, but that was before I found this site and I did give them 14 days to respond, and so have waited).

DPA letter hand delivered to local branch.

**closey** · 16th June 2006 13:20

In your DPA letter did you remind them that you had alread given them 14 days?

Woolwich on the whole are very slow at responding. Reminder you set the timescales not them.

**CrikeyMick** · 16th June 2006 13:23

Hmm, you know I didn't even think of that. I did the same with the Yorkshire Bank icon

as well, but they respond much quicker so it didn't even occur to me to include that.

I don't suppose I could refer to my initial letter in any follow up I send to them?

_________________________ _____________
Capital One icon

- Settled. £20.
Yorkshire - DPA sent 10/06/06
Woolwich - DPA Hand delivered 16/06/06
Abbey icon

Morgage - Preparing to send DPA
Abbey Bank - Preparing to send DPA

**closey** · 16th June 2006 13:45

Of course you can. Also make sure any letters you sent are recorded delivery otherwise they will tell you it was never received.

**CrikeyMick** · 16th June 2006 14:15

I have been handing them to the counter staff in person, but if I did have to post anything I'll make sure it is recorded delivery.

**closey** · 16th June 2006 14:24

That sounds good. When you hand them in, get them to sign for it as well.

**CrikeyMick** · 5th July 2006 22:09

Ok, been patient and it's been worthwhile. I didn't get any complaint about not disclosing manual interventions, and have received a huge amount of paperwork which included a complete list of every log entry made onto the account. (Strangely they are duplicated at least once each and sometimes one log entry is repeated over and over for more than a couple of pages) I also got my £10 SAR icon

fee returned.

I've gone right through the statements and the statement of charges supplied and am happy that they have got them all on their charges list. (There were a couple that had been refunded directly at the time they were taken) That means that in total I am going to be claiming £6,237, spread over two claims. One larger claim for Returned cheques, Guaranteed Cheque charge and Forced Debit Card charges. With a second and smaller claim once the first is completed for Unpaid Direct Debits, Debit Interest, Unpaid standing orders, and Unauthorised daily overdraft icon

fees.

So Prelim letter going in Post Tomorrow for £4613.50.

**closey** · 6th July 2006 08:50

Wow, that's a whole heap of money. Best of luck, sounds like you've got it all under control

**CrikeyMick** · 6th July 2006 09:05

Sure is, I had expected it to be less than half of that. I was shocked when I got the details yesterday, but I recover quickly

**closey** · 6th July 2006 09:07

I'm sure you'll recover even more then it's back in your account!

**CrikeyMick** · 7th July 2006 16:30

Took me a day longer than I expected (due to not being able to get to a post office that was open), but the prelim letter is on it's way to my local branch now recorded delivery.

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