The Woolwich?? - Page 2

MISSIE · 17th April 2006, 16:10

Hi

I think if it was me, then I would miss a couple of the charges out on the largest claims on the spread sheet to keep it at the 5k mark, but don't forget you must not add the 8% to this at this stage.

Good luck and keep us posted.

Missie

alanfromderby · 17th April 2006, 22:32

This may take some creative thinking. I gather from your earlier posts that your account is still open - in which case I would suggest sending your Request for Repayment with the full amount.

In some cases banks are refunding a percentage of the claim as "a goodwill gesture". If they did do this, and of course there is no guarantee they would, it could leave a balance below the £5000 limit.

Of course if they don't, you can then reduce the amount you are asking for when you start the County Court action.

If you then decided to start an action for the remaining balance, it is vital that you did that after the first claim is finished, otherwise the bank would apply to have the actions connected.

Keep us posted.

dave · 17th April 2006, 22:36

Personally, I would split it by charge type - 1 claim for bounced DD's and SO's and another for Cheques and over OD limit.

Be sure not to put them both in at the same time, because the bank would(could) make an application to have them joined.

However....having said that, there has been one person on here recently who claimed nearly 10k in one hit - they bank settled.

I don't think it matters all that much (although that is a personal opinion, and not a recommendation) - as the law is still the law regardless of whether it goes through the small claim track or not.

Technium · 7th June 2006, 13:07

Still not done this yet, keep putting it off but must really sort it.

When sending the letter saying you charged me x amount and I want it back do I provide all the details ie list of charges and dates or do I leave it for them to research it?

thanks

Technium · 12th June 2006, 12:05

bump

anyone?

Movingon · 12th June 2006, 12:23

Bearing in mind recent happenings around the forums, I would suggest putting in a separate document scheduling all the charges you're claiming in that claim.

rogerebaker · 12th June 2006, 23:54

I sent them a print out of the spreadsheet without the 8% interest. Cant see that it does any harm. At least it shows them that your serious and making an effort.

Technium · 19th August 2006, 17:14

Ok finally got round to sorting this out, have sent the first letter asking for payment of £6235 not including 8% interest. I have enclosed a detailed list of dates which the charges were applied, how much for and what type i.e Unpaid DD etc etc so is that it now, just sit and wait???

Mumofthreeboys · 19th August 2006, 19:08

Quote:

Originally Posted by Technium

Ok finally got round to sorting this out, have sent the first letter asking for payment of £6235 not including 8% interest. I have enclosed a detailed list of dates which the charges were applied, how much for and what type i.e Unpaid DD etc etc so is that it now, just sit and wait???

Well done. Wait 14 days and then send the next one.

Technium · 26th August 2006, 11:46

Ok got a letter this morning (26th) stating some guy called Mike Brophy - Head of Customer Relations is dealing with this and aims to contact me again by 19th September.

This date is obviously passed the 14 days I gave them, do I take it that after 14 days I send them the 2nd letter or just sit and wait until they get back to me?

cheers

paddym · 26th August 2006, 23:55

hi,
you stick to your deadlines dont let them dictate to you when they will be in touch you gave them 14 days so stick to it if they havent responded to you within the time frame you take the next course of action !
paddy

Technium · 3rd September 2006, 22:12

ok 14 days are up so now sending 2nd letter "letter before action" tomorrow so see what happens after this one then.

cheers

paddym · 5th September 2006, 00:54

thats it you stick to your timescales not theirs good luck !

Technium · 19th October 2006, 12:53

ok not been doing anything for awhile as am abit skint but still in the front of my mind. Anyway the Woolwich sent me a standard letter saying we'll get back to you, which i obviously ignored and now the date has come when they said they would respond by and have sent me another letter basically saying their terms are legal, we signed a contract blah blah and sorry were not happy howeve as a gesture of good will they will refund me £120 of the £6K the owe (damn insult) and as we have an OD limit of £750 and were currently £500 OD they are reducing my OD limit immediately to £200.

Looks like theyre trying to scare me now, just wondering how were going to cope come pay day when we cant use the over draft

Banks, I hate them!!!!

paddym · 19th October 2006, 13:59

Two can play that game if it were me i would switch accounts pronto and get my wage paid in there let the woolwich wait for their money they can take it out of the 6k they owe you thats just my opinion what i would do but then im a little wreckless at times but my money is just that MINE !

rogerebaker · 19th October 2006, 16:47

They did this to my daughter and i wrote a scathing letter to them telling them they wernt going to scare me off with their bullying. I quoted the banking code and after about 5 days I got a very apologetic letter saying they would put the matter on hold until after the court case

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