paddym v woolwich

[paddym]

I have just sent Subject Access Request - (Subject Access Request) of to woolwich today fingers crossed it doesnt take me too long
thanks
paddy

[CrikeyMick]

Congrats! I hope it's quick for you too.

[closey]

Woolwich can be slow, so it might be worth just calling them soon to politly remind them that the clock is ticking.

[paddym]

(Just to update you all ) ok folks the balls started rolling and the clocks ticking as im in Northern Ireland i was unsure where to send my letter so chose to send it to the data exceptions unit in watling street bexleyheath which i had got from a credit report i had done for me.well today 6th july 06 i recieved a lovely letter from a lady wendy sayers and signed personally explaining basically that the data exceptions team could not assist me and explaining to me that they have forwarded my request and my cheque for £10 to Barclays Data Protection ,1st Foor,Block 12.Radroke Hall,Nutsford,Chesire WA16 9EU So it only took them 1 day to reply to my recorded delivery lets hope theyre as quick getting my list of charges out to me fingers crossed. Thanks for the replies they are all very welcome.

Paddy

[closey]

Good work. Sounds like you have it all under control.

[paddym]

Letter arrived today 8th July from barclays data protection refering to my letter of 4th July . just to let me know a schedule of charges is in course of preparation and will be sent to me shortly by the woolwich. As the bank is providing this information on a complimentry basis your cheque for £10.00 is returned herewith. usual summary of manual intervention not covered by Data Protection Act and signed by ???? yes you got Mr Peter Townsend so standard letter that you all have received ! Just a pity they couldnt return my money on a complimentry basis as well !!!!
Paddy

[paddym]

hi all sorry i havent been on in a while but i moved house 21st july and have just got my broadband connected anyway to update you all i recieved my list of charges from woolwich dated 27th july they have charged me £1148.50 on one account but in my Subject Access Request i asked for current account and mortgage account details only the current account has come through has anyone any advice as to my next course of action?????
Paddy

[closey]

Hi Paddy,

They are still within their 40 days, however my betting is that it has been over looked. I would remind them either by phone or letter that the clock is ticking.

[paddym]

Thanks closey i think ill drop them a line or two keep everything in paper incase of any comeback ive the copies then thanks again will be in touch again im sure lol !
paddy

[closey]

Good work! I look forward to hearning of your progress.

[paddym]

well everyone im stuck dont know what i should be requesting back i have received just 1 a4 sheet from woolwich detailing my charges which consist of £27.50 charges £30.00 charges and interest charges. I DONT KNOW IF THEYRE TRYING TO FOB ME OFF it doesnt look like the complete list of transaction which i asked for just the charges can anyone advise me the a4 sheet looks like this.
chrg date date charge txn avail od info
type incurred applied amount amount bal

od 31/05/05 21/06/05 18.00 2082.06- 1660
od 30/04/05 24/05/05 69.00 1672.58- 1981
od 31/03/05 21/04/05 51.00 1600.08- 1981
od 28/02/05 21/03/05 63.00 1214.10- 2285
od 31/01/05 21/02/05 93.00 528.52- 2858
od 31/12/04 21/01/05 75.00 434.66- 2858
od 30/06/04 21/07/05 3.00 1091.32- 3591
od 31/12/03 22/01/04 51.00 197.34 3236
od 29/11/03 22/12/03 90.00 118.81- 2816
od 31/10/03 21/11/03 30.00 75.35- 2816
od 30/09/03 21/10/03 33.00 30.48- 2816
od 30/08/03 22/09/03 42.00 67.12- 2216
od 30/04/03 22/05/03 21.00 440.58 2263
od 31/03/03 23/04/03 42.00 143.94- 1598
uc 12/03/03 02/04/03 30.00 188.24 106.34- 1598
uc 07/03/03 28/03/03 30.00 188.24 106.34- 1598
uc 12/02/03 05/03/03 30.00 188.24 37.55- 1598
rc 07/02/03 28/02/03 30.00 188.24 37.55- 1598
qc 27/11/02 18/12/02 30.00 83.00 qc 19/11/02 10/12/02 30.00 69.32 89.19- 1301
qc 18/11/02 09/12/02 30.00 36.24 51.95- 1301
uc 13/11/02 04/12/02 30.00 78.00 26.05 1301
uc 12/11/02 03/12/02 30.00 188.24 26.05 1301
qc 07/11/02 28/11/02 30.00 188.24 26.05 1301
uc 09/10/02 30/10/02 30.00 85.00 67.46 1301
uc 12/08/02 03/09/02 27.50 188.24 25.89- 205 uc 07/08/02 29/08/02 27.50 188.24 25.89- 205
uc 08/07/02 29/07/02 27.50 188.24 .72 205
uc 07/05/02 28/05/02 27.50 188.24 8.05 205
rc 18/02/02 11/03/02 27.50 435.89

rc = returned cheque
uc = unpaid dd
od = unauthorised daily overdraft fee
qc = gaurenteed cheque charge

i know its a bit much to ask but im really in a pickle ive looked at this for ages and cant decide what charges i claim for on the spreadsheet and dont really understand if i should include the unauthorised daily overdraft fee as a charge or interest advice great received thanks in advance !
paddy

[paddym]

well everyone im stuck dont know what i should be requesting back i have received just 1 a4 sheet from woolwich detailing my charges which consist of £27.50 charges £30.00 charges and interest charges. I DONT KNOW IF THEYRE TRYING TO FOB ME OFF it doesnt look like the complete list of transaction which i asked for just the charges can anyone advise me the a4 sheet looks like this.
chrg date date charge txn avail od info
type incurred applied amount amount bal

od 31/05/05 21/06/05 18.00 2082.06- 1660
od 30/04/05 24/05/05 69.00 1672.58- 1981
od 31/03/05 21/04/05 51.00 1600.08- 1981
od 28/02/05 21/03/05 63.00 1214.10- 2285
od 31/01/05 21/02/05 93.00 528.52- 2858
od 31/12/04 21/01/05 75.00 434.66- 2858
od 30/06/04 21/07/05 3.00 1091.32- 3591
od 31/12/03 22/01/04 51.00 197.34 3236
od 29/11/03 22/12/03 90.00 118.81- 2816
od 31/10/03 21/11/03 30.00 75.35- 2816
od 30/09/03 21/10/03 33.00 30.48- 2816
od 30/08/03 22/09/03 42.00 67.12- 2216
od 30/04/03 22/05/03 21.00 440.58 2263
od 31/03/03 23/04/03 42.00 143.94- 1598
uc 12/03/03 02/04/03 30.00 188.24 106.34- 1598
uc 07/03/03 28/03/03 30.00 188.24 106.34- 1598
uc 12/02/03 05/03/03 30.00 188.24 37.55- 1598
rc 07/02/03 28/02/03 30.00 188.24 37.55- 1598
qc 27/11/02 18/12/02 30.00 83.00 qc 19/11/02 10/12/02 30.00 69.32 89.19- 1301
qc 18/11/02 09/12/02 30.00 36.24 51.95-
uc 13/11/02 04/12/02 30.00 78.00 26.05
uc 12/11/02 03/12/02 30.00 188.24 26.05
qc 07/11/02 28/11/02 30.00 188.24 26.05
uc 09/10/02 30/10/02 30.00 85.00 67.46
uc 12/08/02 03/09/02 27.50 188.24 25.89- uc 07/08/02 29/08/02 27.50 188.24 25.89-
uc 08/07/02 29/07/02 27.50 188.24 .72
uc 07/05/02 28/05/02 27.50 188.24 8.05
rc 18/02/02 11/03/02 27.50 435.89

rc = returned cheque
uc = unpaid dd
od = unauthorised daily overdraft fee
qc = gaurenteed cheque charge

i know its a bit much to ask but im really in a pickle ive looked at this for ages and cant decide what charges i claim for on the spreadsheet and dont really understand if i should include the unauthorised daily overdraft fee as a charge or interest advice great received thanks in advance !
paddy

[Thailand]

You can claim for all the above charges. If you think they have missed some off you can ask them for all the statements. Paddy have you ever been reimbursed for any charges over the phone? If you have it may be worth calling them and asking which ones as they still would have included them on the above list. (I.e making you claim back too much causing a few more obstacles later)

[paddym]

thanks thailand was just unsure and didnt want to fill out the spreadsheet as you say claiming too much and then putting my claim back as regards to refunds ive never had a refund off the woolwich but hey pretty soon ill be having them all back hopefully thanks for the reply much appreciated !
paddym

[paddym]

just to update you all have sent my preliminary approach for repayment of my charges today 24th august 2006
paddym

[paddym]

just recieved a letter from woolwich thank you for taking the time to tell us of dissatifaction blah blah blah blah will respond by 18 th sept ????? dont think so lba due to be sent 7 sept so woolwich heres lookin at you kid !!!!!!

[Thailand]

Too right the Padster! I had the same letter - those same bog standard responses just help us to help each other to know whats around the corner. I predict you wont get a response until late LBA or MCOL

[paddym]

ok folks 7 th september arrived headed for post office 1st in the door .posted my LBA registered post to those kind people in the woolwich in jackson road clacton on sea. wonder how long ill have to wait to get a reply from this 1???? any thoughts peeps as to how long ???? maybe we should get a book going ha ha ha good luck everyone!
paddy