Thread: Woolwich £3 per day charges

Hi there,
i had an basic current account with the woolwich, i used it for a few months and then openened another account with another bank. I had a couple of pence left in the account and it was left unused for several months. Somehow a direct debit tried to come out of my account, (they were cancelled but not with the bank) and as i had moved house i didnt know. Basically they charged me for an unpaid dd, then began to levey a charge of £3 per day on my account as it was overdrawn. By the time i got to know about this it stood at around £200. I called them and was told that there was nothing that they could do, i went to the branch and all they could do was cancel the dd and close my account.
I continued to call woolwich head office and i was told time and time again that there was nothing they could do, not even stop the charges and arrange a plan for payment. I was told to wait till it went to debt collection???
Well i am now paying this off via wescot collection (total amount was around £400! doun to around £150 now), from reading your faq's i realise that i was wrongly charged, also someone has told me that you cannot be taken to a debt collection agency if the debt is due to charges, is this true?
I no longer have any details left from this account i.e. acc no's etc i only have a wescot account no.
What would you advise i do to start the process of claiming this back

Thanks

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Welcome Flopper: I too had similar charges from Woolie. £3.00 per day by 31 day = £93.00 pm for too long! See my thread (Brooksdad v Woolwich) which might give you some info and procedure. Read FAQs and reread for great info and read others experience on Woolwich threads.
Wish you well on your claim. Chin up - think of the end result. You must follow the correct procedure. Send SAR to request a list of ALL charges over last six years to start the ball rolling.

Thanks hughes,
Im goin to go to my branch tomorro and see if they can give me my closed account details, then im going to get the ball rolling with the woolwich and the DCA. I will keep you updated.
Thanks

Suggest you send SAR rather than visit branch. They then have 40 days to info you all 'illegal' charges on your account. This is the initial action I took to start the ball rolling. Hope this encourages you. Chin up!!

Hi there,
i need to visit the branch in order to get my acc number to put on the S.A.R. If it does not include my acc number i would say they will delay it as much as possible. First thing tomorrow il go to branch and get acc number then send SAR. Thanks for the help

Visited the branch today, was asked why i wanted my old acc number, i told them as i wished to make a complaint and needed my acc number. Gave them all my details, they could not find it, i was asked various questions and i realised that they knew what i was up to and that they were tring to make it difficult. After telling them that they should have my details due to auditing needs and the data protection act the lady found it. Was told that my account had been written off, i told them that it had been directed to a debt collection agency. Could anyone give me any advice on what to do with the debt collection agency, i.e. what they need to be sent or told.
S.A.R. sent today, 21st march is the deadline.

Thanks

Recieved conformation that they are dealing with my complaint and will respond by the 15/3, along with a letter from Barclays telling me that my schedule of charges is in preparation.
Just have to wait for the list of charges to come and then i can get busy.

Ok,

Forgot to post that i got my statements and i sent a prelim, their 2 weeks is up on Thursday (29/3) so if there is no reply by friday i shall give them a ring and if there's no joy with that i will send the lba.

Will keep you posted

Flopper

Thanks,

i already have told the DCA that the account is in dispute and surprisingly they were fine with it, i just have to keep them informed on my progress.

Flopper

Hi all,

No word from the Woolwich, so lba off on monday, also i have had 2 calls this week from the DCA. The first one was ok when i explained the account was in dispute but the second lady was trying to do the hard approach saying i had to pay and thats that. It was very funny especially when i said that i would pay if i seen the original credit agreement, then i told her it would be difficult as there never was a credit agreement and that if they would wait a few weeks this would all be sorted out. She then hung up LOL.

Flopper

Ok,
Still no word from the woolwich not even a response to say that they got my prelim letter. Surprising as they were very quick with my SAR. I have been snowed under with work and have not yet sent lba. I will be sending the LBA tomorrow (if the PO is open).

Will keep you posted

Flopper

lba sent 11/4/07 they have till around 26/4 to respond, im gonna give them a call today and see what is happening (if anything)

Flopper

Hi Flopper,
I had this problem, they kept on saying they had no record of me, and i never received any letters from them.

However they have just acknowledged my court claim against them, so they now know i exist.

Just stick to your time lines, and you will be fine. If you have not heard from them on the 26/4 then start court action.

Good luck, youll be fine
Caz

yep thats exactly right caz, as long as u have copies of all letters etc that u have sent to the bank then thats ur proof if it goes to court.

How much did you get, i dont seem to be a ble to see here anywhere.

Well done, congratulations.
Caz