Thread: Woolwich have sent my charges - but I'm a little afraid!

Hello and Welcome

First of all don’t panic - you will soon have your money back in your hands where it belongs!!

Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!!

Remember the banks have acted unlawful you haven’t!!!

Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!!

Well done for finding the correct forum - Here you will have other “experts” who know how this particular bank reacts.
Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with debt collection Agencies and bailiffs!!!!
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/516-1-data-protection-act.html

If you already have your statements then you can start by sending them the Prelim letter.
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month.

If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action.
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/5078-10-data-protection-act.html

If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you.

Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!

Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!

Hope this helps

Im also claiming aginst the Woolwich so I will keep an eye on your thread to see if you need any help!!!

Good Luck

I think what he measn is - the banks are waiting until the court gives a hearing date.......

Then they are settling a dayor two before this date!!!

They are relying on the fact we are normal people and are scared of facing the jduges and hot shot corporate lawyers.

Howver they actually have more to be sacred of - hence why they settle.

It is worth remembering that notone high street bank has attended court yet even though there have been 100s and 100s of court date issued!

I have had three myself - all very scary all settled 2 weeks before the hearing!!!