Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
What a great site! This is my first time on the forum.
I bank with Woolwich :0( and want to reclaim charges but I have a couple of questions:
1) My account is joint with my wife. Do we both have to sign the initial Data Proection Act Letter requesting a statement of all charges?
2) Does any one know how likely the Woolwich are to close down accounts for those trying to claim back charges? My credit rating isn't great and it would be hard to open another account.
3) Some of my past charges were refunded. Can I request a list of these in the inital DPA letter?
There are plenty of banks/societies who provide banking facilited for people with less than perfect credit. These normally don't give O/D facilities or associated credit cards from offset but I can recommend the Alliance & Leicester if you have at least £500 depositing into your account every month.
As long as you are on the electoral register, currently have banking facilites (which you do), you can apply online and generally get a yey or ney within 48 hours by email. A&L even give accounts to unemployed/on benefits applicants and provide online,telephone and branch banking with a cheques book, cash-visa debit card and DD/SOs.
One thing though is that their automatice switching process (where they trannsfer all you existing regular payments over and close down your old account with old bank) is a bit unreliable and I wish I had done it manually myself as they cocked up some DDs.
I believe the Co-Op offer a basic bank account for those with advers credit history however this normally only offers a cashcard, not debit or cheque book.
Welcometo the Woolly fight back, once you get going open a dedicated thread like the rest of us
The Woolwich have always been less than great but my heart sank when Barclays took them over - Even more so after last nights TV programme. At last I can call the tune for once!
i opened a Natwest step account online, it was really easy and they sent the paper work to me within 2 days all i had to do was sign and send back and 7 days later i got a solo card. it might be worth opening one even if u dont use it
The ball is now rolling and I’ve had my first letter back from Woolwich (on Barclays headed paper) in response to my DPA request (using the CAG template). They returned my cheque for £10 and advised that my schedule of charges will be forthcoming. They also included the following paragraph in the letter and I’m not sure if this is just standard wording:
“As regards your mention of ‘manual intervention’, the DPA does not oblige the Bank to comment about internal policies and procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the Bank does not hold the information you have requested in a form that would be covered by the DPA. Whilst aggregated information is retained for statistical purposes, this would not constitute ‘personal data’ under the DPA and therefore would not be covered by a s.7 DPA Subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA, is in no way as admission that there was no such manual intervention.’
Signed by an automated signature – A M Miskell – Andrew Miskell – Privacy and Data Protection Dept at Barclays.
Has anyone else seen this wording? Is it just legal crap?
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
HELP - Does anybody know if the 40 days the banks have to reply to my DPA are 40 working days or 40 consecutive days? I sent my DPA letter to the Woolwich on the 22nd March via next day delivery, although I’ve just has a letter from them saying they only received it on the 11th April and that they aim to provide me with an answer by the 10th of May – I make that 48 days!
I’ve received my list of charges from the Woolwich - £2,319!
Does anyone have a working link to the schedule of charges excel spreadsheet that I need to complete and send with my request for repayment of charges? All the links on the template site for this spreadsheet appear to be broken.
Sent my letter before action last week. All I’ve had from Barclays so far is their standard letter of reply – TWICE! Has anyone had an offer letter from Barclays before filing for court? Their incompetence amazes me:
1) The account I’m claiming back charges for is a joint account with me wife and we’ve both signed all letters. However, Barclay’s replies are only ever addressed to me!
2) In Barclay’s standard reply they say that they cannot guarantee to reply within the timescale I have given them (14 days), and go on to say that they aim to sort out the issue within four weeks. However, in the same paragraph they also say that a full report and update on progress will be sent to me within eight weeks!
3) Barclay’s standard reply directs readers to the leaflet they send with the letter for more details of their complaints procedures. The leaflet claims that when a complaint cannot be sorted out straight away Barclays will give you the name and contact details of the case manager investigating the complaint. We’ll I’ve been writing to Barclays since March and I’ve had no case manager details.
New to the Site - HELP
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