Thread: alenehan vs Woolwich

Been following this forum sometime and I though I should post my own progress so far.

4th December 06 - posted information request (including DPA) from MSE website

8th December 2006 - Received 2 replies, one from Barclays and one from Woolwich saying my request was being dealt with. They committed to a reply by 09/01/07

18th December 2006 - received statement of charges - total £4021.66 (plus 1105.62 interest)

18th December 2007 - Sent initial request for repayment (from MSE website) attached copy of Woolwich statement of charges and simple interest spreadsheet from this website

22nd December 2007 - Received "we are sorry that you are unhappy...." letter from Barclays indicating that they will look into it within 8 weeks (yeah right!)

4th January 2007 - Sent second request letter threatening court action (again from MSe) attached simple interest spreadsheet.

17th January 2007 - Filed with Moneyclaim online. Sent Barclays copy of simple interest spreadsheet as I stated I would resend the list of charges in the Particulars of Claim



So far so good, although the real fun starts now, vaguely hoping it gets to court, that would be a real experience.

Only a couple of concerns and they are tied in with today's MCOL filing. Firstly I named the defendant as Barclays instead of Woolwich but I think this should be OK.

Secondly I didn't include the interest on the total amount claimed. I was under the impression that this was for total pre-interest and that the interest would be added by the court. Not the end of the world, it made the difference between small claims and fast track courts so probably better to keep it small.

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Thanks Al, fingers crossed eh? This is the first 'test case' before we tackle our other accounts. Reading through the forum it looks like The Woolwich may be a baptism of fire!

Was planning on leaving sending the Schedule out until requested by the banks lawyers should I send it sooner? If so Is it OK to just include the document sent originally detailing the charges from The Woolwich and the excel spreadsheet showing interest? Also, may be a daft question, when you say central court do you mean the Northampton crown court that handles the moneyclaim stuff?

Thanks again,
Alex

Thanks again, Al, it's great to be able to talk to someone who has been through it all and succeeded. Just one more question, do you think I have missed my chance to claim interest but putting the wrong total in the claim box on the MCOL form? Its not the end of the world if I have but I would like to know.

Update: received an offer for £1000 from the Woolwich today, will be sending the 'thanks but no thanks' letter on Monday.

Woolwich have now acknowledged my claim, so looks like another 28 days.......

Thanks Paddy, nearly there

Haven’t had much activity for a while but just received the (last minute) defence from Woolwich. A pretty standard 10 point defence (I presume point 1 about the particulars of the claim not providing details of precise charges is nothing to worry about.) Attached was my AQ form (N149.) I have also received a letter from Cambridge county court which is a notice of a pre trial review on 7th June, are many people getting these now? I guess the next stage is to fill out my AQ and start my court bundle. Any advice?
Thanks
Alex

Also, forgot to add, Woolwich still haven't acknowledged reciept of my offer rejection. Should I resend it or just carry on?

Thanks Al, you don't know how reassuring it is to hear that! Do I need to be concerned about the pre trial review? Will it get that far?

Well I sent off my aq form some time ago now. I haven't heard anything back from the courts is this usual? Also should I phone the Woolwich soon to give them a chance to settle?
Thanks
Alex