The Woolwich??

[Technium]

Hi

New to all this and was in big trouble with the bank at one stage as was caught in vicious circle of £200 per month of bank charges and then the bank paying their own charges which ment bouncing more direct debits and even more charges the next month!!!

Im with the Woolwich which I belive is part of Barclays, is this correct? If so do I write to my branch (woolwich) or local barclay?

Also do people really get their money back as I reckon they owe me over £1000 at least!

Ive looked in the Library as stated and cant really see whats the first letter I should write as I have no idea of how much etc so do I use the data protection letter or the consumer sample bank letter so any advice appreciated.

thanks

Colin

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[cath chappell]

Hi Colin
I am a Woolwich customer and am looking in to trying to reclaim some money, I am having trouble using this site and finding the library section, if I do and work it all out I will contact you, on the other hand if you get to the bottom of it all before me could you contact me.

Many thanks

Cath

[Technium]

Hi Cath

the library section is in the Bank action group forum index and its underneath the lists of banks near the bottom. The forms are all the stickys in that part of the forum. Problem is deciding which ones to use which I why im hoping to get some clarification from here. Ive dont a search and I find it very hard to believe that no results other than this thread come up for "woolwich" so I take it were the only 2 woolwich customers

Anyway keep an eye on this thread and hopefully someone will respond and good luck with your claim too.

[cath chappell]

Hello
I managed to find the library section and I think I will try the preliminary approach for payment letter as I am not sure of my charges for the past six years. This site is fantastic. I also think that as woolwich are now part of barclays that is the reason there are not so many letters.

any way good luck!

[Technium]

Can anyone help at all, especially address who I write to.

I belive I should send a Data Protection Act letter first but do I just post it to my local branch? also do I post it with a stamp or use recorded delivery so I know they have it?

any help appreciated.

thanks

[babylon]

I am in the throws of a claim with the Woolwich.

See my post under the "other institutions" forum.

I sent my letter second class to the customer complaints department.
You can find this address from the "contract us" section of the woolwich website.

With respect to a letter format, I simply took the main letter form the librarry on this site and doctored it to suit, including some specifics to my personal financial dificulties.

I already had all of the necessary statements so I can't comment about the Data Protection Act letter.

Hope this makes sense.

[Technium]

Wuhu nearly 4 weeks to the day, I have just received six years worth of bank statements!

I was getting worried they were ignoring me.

Now I just have to spend a few hours working out what charges I had and when then I guess I send the next letter as for my money back.

I hope all this works.

thanks

[Technium]

sorry forgot to say that for 6 years worth of statements I never got charged anything its weird how some people get charged whereas others dont, surely thats not right either??

Also just noted there is a woolwich forum now (there wasnt) so can a mod move this thread to the appropriate forum?

thanks

[Technium]

ok need abit of advice now please.....

Ive added up the bank charges from all the statements from 01/01/00 - 31/03/06 and the total amount comes to £6800 not counting the coppers, so how shall I do this as its from 2 addresses as we moved in October 02 to our present address.

Shall I split it into the 2 addresses and claim each one seperately so it doesnt hit the £5K mark or what?

The above figure includes overdraft charges aswell and admin fees, can we claim for them aswell or is it just bounced dd's and cheques?

any advice would be appreciated, also shall I also add the interest to these totals??

thanks again

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Technium]

Anyone???

Surely someone must be able to help.....please

[deeian]

From reading around i think you'll have to split your claim somehow. Howabout one claim for bounced SO and DD and the other claim for OD and admin charges?

[Technium]

yeah I guess but I think what I might do is split the 2 addresses. Shall I claim for them both at the same time or deal with them one after the other so once ive received £3k payment for one address (hopefully) I then file a claim for £3k for the other address?

[slimliz30]

hi am going through this with the Woolwich.....you must keep the claim under £5,000 otherwise you will have a good chance of getting costs against you if you lose which i think you won't...you can only claim for bounced cheques,s/o and d/d nothing else..interest on overdrafts and admin fees cannot be inc.just start 2 cliams ,this can be expensive to you at 1st but you will get them back....send all your documentation to Barclays at
Freepost rlta-csue-tchc
JHead office customer relations
london
e14 5hp
and bypass the woolwich as they will send all of your items to them anyway
hope this helps
paul

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Technium]

ok still abit unsure so would like to double check.

First off what does this stand for rlta-csue-tchc in the address and is it for all woolwich customers.

Ok main thing, the account is the same account over the 2 addresses, so what I dont want is for woolwich to settles whatever I claim for the first address and then when I go to claim for the other amount under my current address for the same account number to tell me that ive already accepted payment and the matter is closed.

Please could someone just clarify what to do here, the claim for old address same account number is about £3k and the claim for my current address with same account number is again about £3k so please help

thanks again

[Technium]

Anyone??

[slimliz30]

hi i can only suggest that you send 2 seperate claims from your new address....this is the one i reckon you should use...cheers paul

[dw190]

If the account number has remained the same it is unlikely that you would be able to issue two separate claims.

If the amount of charges being claimed exceeds £5,000 you could limit your claim to a sum not exceeding £5,000 so as to keep it in the Small Claims Track.

[Technium]

Hi Mate

yes its the same account number so what I think I will have to do is just claim back 3 years or 4 years or something so the total doesnt exceed the £5k.

Just hope I win, ive not seen many reports of people winning on here unless its small amounts so its going to be interesting.

[Mumofthreeboys]

I too have started a claim with the Woolwich. So far the charges are up to £1620, but I have quite a lot of statements missing. I have asked them to clarify how much they have charged us, but as yet I have only received (3) letters saying they are dealing with it and will get back to me as soon as they can. All the letters have come from the Woolwich, not from Barclays!!

Do you think this is a delaying tactic? Do they have to pass it on to Barclays eventually?

[Technium]

I really cant see how to work this out, this is the figures

2005 - £90
2004 - £90
2003 - £1710
2002 - £1587
2001 - £2285
2000 - £611

The above figures are charges not including overdraft fees or charges and not including any interest.

As these are the same account number under two addresses I dont think I can claim for each address seperately which means claiming a certain amount of years back but I just dont know how to do it to get it close to the £5 mark without going over but I want to get as much back as I can.

Any mods who could advise?

thanks in advance.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.