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The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
OK Around 15th September, unhappy with the charges on my account I asked for Customer Services to send the complete list of charges on my account.
I have included every single charge on the sheet UC RC QC OD DC and Information Commissioner, hopefully I am correct in including everything and that there are not things I should include in my figure, could someone tell me if I am right in doing so?
OK the Total Amount of Charges on my account since opened is £xxxx.xx
At the moment I have decided not to go anywhere near claiming the interest on these charges.
The letter from Cust Relations says If we do not hear from etc in 8 wks of this letter I will close my complaint file in acc.
Do I ring them up and say "hang on with closing the file I am considering claiming back the charges with the help of CAG"
Ta Nathal, But my bank charges wernt sent to me as a result of a Data Protection Act request
I rang in to complain and requested a list of all charges. At that moment in time I wasnt going for or aware of the CAG and its procedure...
Are you Saying I should forget the letter from the Customer Services but instead go thro the full process??
Ok a little bit later than prev mentioned,,,,,,,,,,
Applied for a Nationwide Flex account over the phone .....Declined
Today applied for a Nat West Step Account, over the phone and OKd !!!!
I asked "have you done all the credit checks?" and she replied yes! just sign forms and send back, as well as take some ID and a bill into a local branch.. Is this the norm? I was expecting more grief.
Hi Del
if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.
al.
------------------------- CAPITAL ONE * SETTLED*31st Oct 06 HBOS *SETTLED* 8th Oct 06 WOOLWICH *SETTLED*12thJan2007 Monument (Barclays) *SETTLED*10thMar2007
Hi Del
if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.
al.
Thnx AL, been keeping an eye on your progess over last couple of weeks
I've been sending all my letters recorded, you can then use the royal mail website to get a printout proving the date the letter was delivered. That way theres no chance they can claim a letter was never recieved.
OK I have posted the prelim letter to .. Woolwich Customer Contact Centre in Clacton CO15 1WH.
I have stopped all monies going into my account as they are due to whack me with failed DD charges. This will Put me over my overdraft limit. and hence incur £3 a day charges. All DDs have been stopped. How do I deal with the account side pressure I shall no doubt get from them, regarding returning my account below my O/D level.? As I dont really want to go through the default bits and pieces.......
Just a thought, As I said before the Wool sent me a list of all charges on the account, what I did was add up all the charges and got a total.
Now what might be included in that total are some charges that might have been made and then might have been refunded by the Wool. IE my total is probably incorrect.
I dont think it will get to the stage where they would say "your total is incorrect, we refunded you this charge and that charge"
What does you all think about this as I value all advice on this forum????
Woolwich Prelim Sent 5.12.2006 !!!
S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)
16.1.2007 £1000 offer rejected
LBA sent 31.1.2007
N1 presented to Court 15.2.2007
Won / Settled 2 days before court date
£5200 plus int charges returned.
All and Leics S.A.R - (Subject Access Request) sent 22.12.2006
2nd S.A.R - (Subject Access Request) sent 15.1.2007
Statements received
Prelim sent 31.1.2007
LBA Sent 15.2.2007
Won £1500 on receiving court date..
I think if you believe, as you clearly state you do, that your total is "probably incorrect" then you should correct it without delay.
The Woolwich are owned by Barlclays plc, a hugely successful company that have made money their business.
They will notice, make no mistake.
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
MOTB I dont have "a Spreadsheet" I have the info they sent me,
Titled "charges on accnt no"
It details charge type, date incurred , date applied , charge amount, transaction amount, avail balance, and info
I totalled up the charge amount column for my total. on these sheets there is no indication of any return of charges.
1. So how do I find out which were refunded from the Woolwich,
2. having sent my prelim with "incorrect total" info, what is my plan of action, and in what order should it be.
3. How do I let the woolwich know my claim total may not be correct?
4. How do I get out of this mess, and get back on track.
Woolwich Prelim Sent 5.12.2006 !!!
S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)
16.1.2007 £1000 offer rejected
LBA sent 31.1.2007
N1 presented to Court 15.2.2007
Won / Settled 2 days before court date
£5200 plus int charges returned.
All and Leics S.A.R - (Subject Access Request) sent 22.12.2006
2nd S.A.R - (Subject Access Request) sent 15.1.2007
Statements received
Prelim sent 31.1.2007
LBA Sent 15.2.2007
Won £1500 on receiving court date..
Delboy against The Woolwich
on these charges.
"
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Re: Delboy against The Woolwich
Re: Delboy against The Woolwich
Originally Posted by e28bigalbexley
