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Hi Welshcakes Thanks for asking. This is my first 'just charges' claim as such; but having read the forum for several weeks I feel more empowered to do it.
My other litigation has been involving a credit card and CCA agreement.
Had an initial acknowledgement on Barclays letterhead, returning my cheque 'As the bank is providing this information on a complimentary basis..' then a further letter 6 days later on Openplan headed paper advising they were investigating the issues raised and when they would aim to provide an answer. (strange as the account is neither Barclays or Openplan)
Letter arrived today enclosing details of all charges applied to the account since 2001 - just over £500. 'If you have any further queries please contact me on 01255 477032 with your security details'.
Is it worth a phone call asking for it all back, or should I just plough on with the standard letters?
did they not make you an offer ? its seems the woolwich is making a 75% offer as standard , I phoned as was told reply to SAR should be with me today, phoned them and was told "offer letter posted yesterday offering £1849 " as I was expecting arounf 2500 it would equate to the 1849 at the 75%. waiting for the letter b4 i make decison.
Debbi
Woolwich S.A.R - (Subject Access Request) sent charges 2500 offer 1894 accepted as need the money ! but the rest will go all the way !!
Woolwich (daughters) SAR sent charges 170.00 , no offer ?! :-| 14 day letter sent
Abbey S.A.R - (Subject Access Request) Sent pre 6 ryrs claim - one to watch !!
Black Horse £548, offered £262, awaiting balance got balance =paid in full
Barclaycard S.A.R - (Subject Access Request) sent
Halifax SAR sent
Citibank Sar sent - blah letter sent back. sending a SAR default notice at end of 40days
Capital one SAR sent, statements recd, 14 day letter sent
I've sent off the standard 'asking for it back' letter by recorded delivery. Included their list of my charges + a sum for overdraft interest I've incurred because of the charges.
Let's hope it hits the right desk where they are agreeing to refund, and not the one where they make you do back flips and jump through hoops between episodes of watching paint dry.
Unfortunately, you are dealing with the Woolwich / Barclays and they are slower than something that is really, really slow. Unless you are 10 days or less from court, they won't want anything to do with you.
yes I got a reply to my email saying not interested, as this stage i could do with the 1894.00 so have sent off the acceptance letter, however i aim to go all the way with Capital One, citibank and the Abbey
Debbi
Woolwich S.A.R - (Subject Access Request) sent charges 2500 offer 1894 accepted as need the money ! but the rest will go all the way !!
Woolwich (daughters) SAR sent charges 170.00 , no offer ?! :-| 14 day letter sent
Abbey S.A.R - (Subject Access Request) Sent pre 6 ryrs claim - one to watch !!
Black Horse £548, offered £262, awaiting balance got balance =paid in full
Barclaycard S.A.R - (Subject Access Request) sent
Halifax SAR sent
Citibank Sar sent - blah letter sent back. sending a SAR default notice at end of 40days
Capital one SAR sent, statements recd, 14 day letter sent
Well they closed my Woolwich account over the weekend, and I am now officially Barclays.
Just one problem - I got a mini-statement which shows that a DD went out the day after I transferred to Barclays - then came back again the same day unpaid. I have a pretty heavy overdraft, but there was enought for it to clear.
Popped into my nearest Barclays branch on Saturday - and they couldn't understand why it hadn't cleared either.
BUT WHAT REALLY ANNOYED ME - THE REJECTED DD WAS FOR car insurance - AND HE PROMPLY TRIED TO SELL ME BARCLAY'S INSURANCE. (sorry for shouting) - even thought I said -'please don't try to sell me anything - he just went ahead.
So I now have my reply to my letter to Woolwich in London, now with new Barclays reference from Leicester.
'I am sorry you are unhappy with the charges you have incurred. Your comments are receiving attention and one of my team will contact you as soon as possible. May I take this opportunity to explain that whilst we endeavour to respond to you within timescale outlined in your letter, we cannot guarantee we will do so. Sometimes it takes longer to fully investigate a complaint. However we do aim to find a solution within four weeks ... etc etc.
I guess this is pretty standard stuff. Given their reply I'm considering seeing what 'solution' they come up with before deciding on further action. (I can hear you all saying 'stick to your timetable, not theirs - but if I don't like the solution and it can't be negotiated to my satisfaction, I'll continue with litigation) - and OK I've lost a few weeks, but hey, interest will be added.
Yep, standard automated reply letter. I wonder if they are actually competely reading the correspondence piling in from customers or simply speed reading so they know which "pile" to put it in.
I too found they are changing the complaint reference 'midstream' which is a bit daft from their point of view as it surely makes it harder for them to marry up the complete paper trail of a case - but then again, perhaps this is irrelevant to them as they have never got to the point, to my knowledge, of actually constructing a court bundle defence.
WormHasTurned v Woolwich
request to Woolwich.
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