Thread: Helping an old bloke

HI SPK ok read through link posted below, pick out the bits you need.
1 parachute account (so the woolwich cant nick his money)
2 Read the step by step guide and the FAQs they do help
3 Data Protection Act (Subject access request)
4 Spreadsheets
5 Prelim Letter
6 lba
7 (possibly) Letter of acceptance of partial offer and continuance of claim.
8 N1 (personally better than an MCOL)
9 Allocation Questionaire.
10 Now you get your money Barclays/woolwich thats what they are like.
Heres the link http://www.consumeractiongroup.co.uk...hat-youre.html

Were here most of the time and will help any probs we will get someone to help but most of your answers will be in the link and have a read through the woolwich forum. its a long haul but you just need determination.

RE the account and dispute as with any thing put it in writing even if you have the time take him and a letter explaining the facts and make an appointment with the manager. The only thing is they are allowed to offset other monies into accounts with they say you owe. So parachute
account is vital.

Well done to you for helping i hope you and your family have a happy new year you deserve it.

AL

PS send DPA SAR to both the woolwich and the DCA this legally abliges them to supply all data they have stored on you (enclose a £10 postal order with each letter send it recorded) note number of p/o and give them 42 days to reply woolwich normal take 21/28 days.

Originally Posted by SPK

banks address.
Will post more on Weds.
Thanks Al
SPK

See the link in my post above the addresses will be there.

HTH

AL happy new year

SPK
Personally i would put it writing to them by all means phone(get names, departments ect) but back it up with a letter, one for them a copy for you.

AL

Hi SPK
I would write to them explaining you feel the account is now in dispute due to the disproportionate penalties levied on the account and you could ask that they cease adding penalties (dont hold you breath) until the situation is resolved by either their reimbursement of the penalties and the interest added to them voluntarily or by your instigating a county court Claim.
The letter could also 'cover the old blokes back' in case they threaten to issue a default (it would be against the Banking Code Sec13.6 i believe)sniff (If you needed to go to court to get a default removed they could not say they didnt know the account was in dispute.)
If you have'nt already sent off the prelim stick in with that,
If you have stick it in with the lba. Either way it will save the postage and do it recorded

I will try and find a template like letter over the next day or two, im not sure thats theres one in the library but there are some very eloquent writers on these forums. You never know perhaps i can coax one into it.

Now wheres that nice Michael Browne


AL

can he not claim any benefits or is he ie. council tax reductions i must admit im not in least clued up on that stuff, but in think i know who is so if you need a point in the right direction just give me a nod. One thing i do know is if any benefits go into an account there are restriction on what a bank/BS can take.

AL

Originally Posted by SPK

The letter he got saying the bank had handed the debit to a collections agency is this the address we send the letter saying that the account is in disrupt ? or do we send this to the address the account is held at ?
Thanks all
SPK

Posted in error

Ok i think you can ignore that one i just read the thread again

Originally Posted by SPK

What should he do ? ignore them ? they still have till the 12th Jan to give him his statements....

Regards
SPK

1 Dont ignore them. Make a token payment. At least he's trying
2 Send a letter to remind them of their obligations under the Data Protection Act(40 days). If they fail send a letter from the template list to the Imformation Commissioner

Originally Posted by SPK

Not sure on if he is entitled to benefits but will ask the question.
Geeting his charges back will help no end.
He has 3 accounts i have to sort then 8 credit cards !!!!!!!!!
Gunna be a hard old slog i think but just to see the smile i got when i said i would try and help was enough.
SPK

Top Man SPK
Yes slog it will be try not to take on too much at once, some pay up relatively easily others like the woolwich/Barclays/Abbey seem to take forever.

AL

Hi Clint

No i dont think so you only need something like



Data Protection Act Subject access request 1998

Acc No.***************

Dear sir/madam

with reference to my letter of **/**/**** you have not as yet fulfilled your obligations under the DPA.SAR 1998

As you are aware you are allowed 40 days to supply the data i require.

If i have not received the data by **/**/**** you will leave me no further option but to inform the relevant authorities.

Im not the worlds greatest letter writer but that should be ok

AL