Woolwich Data Protection Act letter

[davesuecpl]

SETTLED 12/09/06


On the 10th march the Bracknell branch of the Woolwich received my Data Protection Act letter for my statements by special delivery and yes I do know only 9 of the 40 days have passed. On the following day (11th) my sister-in-law’s Camberley branch of the Woolwich received her Data Protection Act letter asking for her statements, on the 16th she received from Woolwich head office all 6 years worth without any questions asked or being ask to pay for them.

My question is should I chase up my branch manager to find out where in the system mine have got to or leave it alone and wait the 40 days

Dave

[BankFodder]

Chase hard. Comapre his service tothe service which your sister received. Put maximum presuure. Cause maximum embarrassment.
Part of all this is eventually cause a change in the way they treat their customers.

[davesuecpl]

thanks for the help i will pop in tomorrow and say hello to the manager to see what he has done so far

Dave

[davesuecpl]

10th March my bank received Data Protection Act letter

25th March hand delivered 1st request letter (£1,616.26) to my bank manager

As of today 10th april woolwich has made no contact with me since my first request so will now be sending LBA letter as i do not have much faith in the woolwich i already have my court clam on standby

let see what the next 14 days brings....lol

Dave

[davesuecpl]

...

[davesuecpl]

well there time is up this weekend we have not had any offers from the Woolwich just a very short 2 lined letter saying sorry i am unhappy about the charges a team member will contact you soon

So it will be a visit to Reading county court on Monday to start legal action

Dave

[davesuecpl]

Received my notice of issue from Reading county Court today, Woolwih have been given till 11th May to reply
Claim No : 6RG02794
Reading County Court
Served on : 27 April 2006
Amount : £1,616.26 + interest £583.19

[davesuecpl]

received a letter from Reading courts


"The defendant responded to the claim indicating an intention to defend all of the claim.

The defendant has 28 days from the date of service of the claim form with particulars of claim, or of the particulars of claim, to file a defence.

The acknowledgement was filed by the solicitors acting for the defendant who have given the following name and address for service of documents"

so they have until 25th to file there defence i feel like many other Woolwich / Barclays cases this will go into the courtrooms

[Bookworm]

Yeah, everyone feels that way.
Some (Dave!) would relish the opportunity, most are worried about it... And that's exactly what they want. They KNOW that a lot of people will back down if they don't get a refund after the letters rather than going to court.

But you know what? Out of all those people who feel that way, not one of them has actually ended up inside the courtroom.

I've issued 3 MCOL claims so far, and all 3 have settled. I don't fear it any more, and neither should you. You'll be fine.

[slimliz30]

dave i had my battle with the woolwich they never defended the case and won by default...in my opinion they will settle with you before any court action...good luck...paul

[davesuecpl]

UPDATE

Barclays have lost the plot (AGAIN)

received this this morning second reply to by LBA letter

------------------------------------------------------------------------------

Dear Mr Lambourne

I refer to our letter dated 13 April.

I apologise for the delay in replying and thank you for your patience whilst I continue my investigations. I will contact you again by 12 June.


Joanna Carney
Customer Relations Manager
-----------------------------------------------------------------------------

all being well court claim should all be over by them court have given them till 25th May to get defence in

Customer Relations Dept seem to be getting behind in there work

Dave

[GSMGuy]

Sounds promising Dave - looks like, as usual the Woolwich are not talking to each other!!

Mike

[davesuecpl]

hi

received today a copy of Barclays defence which has come 24 hours before their 28 day was due to be up ( this was sent by Barclays and not the courts)

i would most grateful if some one would just cast there eye over and see what they think. i have it on my web page http://www.piggin-house.co.uk/defence.htm

Dave

[GSMGuy]

Para 4 - They seem to think that you are accusing them of being in breach of contract by not paying DD's etc?

Para 6 - What are they on? No one is sayong that the charges were illegally taken, just that the charges themselves are illegal as they do not represent the actual cost involved.


Whats all this liquidated damages?

Mike

[davesuecpl]

is any of this suitable to attach to allocation Questionnaire

Oral Evidence
Taken before the Treasury Committee
on Tuesday 14 March 2006
Members present
Mr John McFall, in the Chair
Lorely Burt
Angela Eagle
Mr David Gauke
Mr Andrew Love
Mr Brooks Newmark
Mr Mark Todd
________________
Memoranda submitted by the Banking Code Standards Board

Examination of Witnesses

Witnesses: Mr Gerard Lemos, Chairman and Mr Seymour Fortescue, Chief Executive, the Banking Code Standards Board, gave evidence.
Q328 Chairman: Gentlemen, good morning and welcome to this inquiry into financial inclusion. Would you introduce yourselves for the record?
Mr Lemos: Gerard Lemos, Chairman of the Banking Code Standards Board.
Mr Fortescue: Seymour Fortescue, Chief Executive of the Banking Code Standards Board.
Q329 Chairman: Good morning and welcome again. For the benefit of new members of our Committee, could you briefly give us some background information about the Banking Code Standards Board and the Banking Code? We have had quite a long and fruitful relationship, but there are other members of the Committee who would like to be filled in.
Mr Fortescue: Chairman, there has been a Banking Code in existence since 1991; the present one is the seventh. The Banking Code Standards Board itself has been in existence since 1999, so we are about six and a half years' old. The Banking Code covers current accounts, savings, personal loans, credit cards, ATMs and sets minimum standards which banks, building societies, credit card issuers in the UK must meet. The Code is widely regarded as a strong Code of Practice and we believe that we monitor and enforce it rigorously. Virtually the whole industry now subscribes. I am pleased to tell you that Marks & Spencer joined only a day or two ago, so we now have all major banks, building societies and credit card issuers. We are funded by the industry but independent of it, in the sense that seven of our ten directors represent the public interest, and only three represent the industry.
Q330 Chairman: What parts of the industry do those three represent?
Mr Fortescue: They are the chief executives of the three major trade associations - the British Bankers' Association, the Building Societies' Association and APACS.
Q370 Mr Newmark: My question is to do with default charges. Last year you said that regarding penalty charges on credit chards, "If I were still a poacher I'd have a real job defending these charges. They do not appear to be related to the costs, they frequently hit those least able to pay them and they generate great resentment". What is your view on the level of default charges payable by users of basic bank accounts when there is insufficient money to pay standing orders and direct debits?
Mr Fortescue: This is a concern to us - certainly to the independent directors. Perhaps I should make clear that I was speaking, as I think The Guardian article mentions, in a personal capacity. For people who are new to banking, who may not understand the system very well, if a direct debit for their gas bill comes in at a rather higher figure than they were expecting or a day or two earlier than they were expecting or their benefits are delayed and they get charged up to £30 or even more for a failed direct debit that blows the household budget for the week; so this is a serious concern to us. The theory is that we are not an economic regulator; we should not set prices. Our role is to ensure transparency so people can make informed decisions. The weakness in that argument is that the information about those charges is hidden somewhere in the terms and conditions which people probably do not read properly when they open the account, and at the time the charge is applied they are in no position to shop around or go with another supplier. I think we would like to see two changes at the time of the next review: one, the independent directors would argue for a summary box (and this Committee has been very positive about summary boxes for credit cards). We think summary boxes should be there for current accounts as well, so the key features of the product would be pulled out in a standard format so people would be made aware that there was a penalty charge. That would be the first thing. The second thing would be that there should be pre-notification. For other account charges the Code says that they should be pre-notified, generally on the customer's statement 14 days before they are applied so that people can be aware of them, argue about them if necessary and avoid the situation of having charges on charges. We think that the pre-notification should apply to penalty charges as well, as indeed it does for some banks but we think that should be universal.
Q371 Mr Newmark: Circling back to what you said a bit earlier, you do not really see an expanded role for the Banking Code in the area of penalty charges. I get the sense you think the market should be setting that?
Mr Fortescue: I should also say that the OFT is on the case. In fact in this morning's Financial Times it mentions that the OFT is likely to cap charges on credit cards in the rumoured figures of £10 or £15 for a credit card default charge, and clearly this is a read-across from this into charges on basic bank accounts.
Q372 Chairman: That is a good aspect to bring to your attention because it was this Committee which referred this issue to the OFT and then referred it to the Competition Commission. This is an example of industry coming before us when we asked them about penalty charges and saying, "We don't make any extra money out of this"; and we asked, "How much do you make out of it?" and they unanimously decide not to give us that information. As a result we referred it to the OFT and we now see the result of that. It is just an example, Mr Fortescue, for you in your role to say to the banks, "Look you should be thinking in a forward way in this issue so that we do not need to go through these laborious routes", because at the end of the day we find ourselves in this position. Related to Angela's question about the review in 2008, if they were seen to be taking this offensive approach then things would be a lot easier and there would be no need to get into this situation.
Mr Lemos: Could I say one more thing in relation to your last question. There is a provision in the Code relating to customers in financial difficulties already, which says that they should be left with enough funds for their basic requirements.
Q373 Mr Newmark: I understand that. I think the point Mr Fortescue was making hits the nail on the head - it is those, where for some reason it is an extra cold winter and their fuel charge is suddenly a lot larger, who slightly go over and they are hit with a £38 or £26 charge. We are really focussing on the people who are on the lowest rung of society. That is really where our concern lies. For those people the £26 or £28 is a meaningful amount to them. That is where our concern lies. For those who just have two bank accounts there is this issue of off-set. I know that consumer groups have expressed concern that banks are beginning to offset one account for another, so if one goes overdrawn they effectively log onto another account to pay off debts. The problem arises sometimes even when a repayment plan has been agreed with the help of an impartial debt adviser. Would such action breach the Banking Code's requirement to treat customers in financial difficulty positively and sympathetically?
Mr Fortescue: The Guidance on this point says that banks should leave the customer with sufficient money for day-to-day expenses, taking into account individual circumstances. We are aware of instances where that has not happened; where the bank has grabbed all the money when it is paid in after the salary date. We have got a very good liaison with a lot of money advisers and Citizens' Advice Bureaus who have frequently told us of this. We have taken them up with the bank concerned and been able to rectify the situation.

[davesuecpl]

took my questionnaire into the court today i ask them how long it could be to a court date???

was told it could be up to 15 weeks due to the increase in small claims over the last few months. so i join the long que of waitng Barclays members

Dave

[davesuecpl]

Well at long last the court have sent me my hearing date 2nd October (day after my birthday), but in the meantime like many others i will be having a chat to barclays Mr Keith Jeremiah cos you never know he might reach for the cheque book....LOL

Dave