forgot to tell them i moved, can i claim charges?

potnoodle · 11th August 2006, 13:48

Hi, I had a woolwich buffer of £50 of which i was up to about £40 when i moved in sept 2004. i forgot to tell them i moved as i didnt use the account anymore, however having done a credit search on myself found my balance is now around £700 overdrawn. I had to wait 4 weeks to speak to someone as i didnt know my password and they didnt issue another. i spoke to them on the phone today having received a letter saying all charges would statnd. they offered to take off £400 and i would have to pay 350 balance. i refused and offered 100, (50 buffer and 50 for their trouble) which they turned down. they owe me around 700 in charges from the period 2000 - 2003 when i stopped using the account. they have refused to stop the charges or freeze the account, saying it was my fault i didnt inform them i moved. will i be able to take them to court for these charges? i havent paid them yet.

potnoodle · 11th August 2006, 13:49

just to explain, the monthly interest on the original £40 put me over the buffer of £50 in february this year i think, and it seems there is around 100 a month charges going on.

potnoodle · 11th August 2006, 13:49

just to explain, the monthly interest on the original £40 put me over the buffer of £50 in february this year i think, and it seems there is around 100 a month charges going on.

Thailand · 13th August 2006, 11:56

At least you know how much of the debt is charges- so maybe you dont even need to send in a S.A.R - (Subject Access Request)? I'd consider sending in your LPA for 660.00, if it got to court your interest and cost would far outweigh the original 40 you owed

potnoodle · 13th August 2006, 15:17

>if it got to court your interest and cost would far outweigh the original 40 you owed

do you mean the interest and cost to me if i lose?

Thailand · 13th August 2006, 15:21

No. I meant the interest you are allowed to claim on the money the banks have (edit) from you!! say you're owed 660 youd probably see around 820ish when you win

Moderated :edited ... please do not use words that may be seen as libelous , this is for the protection of the site .

Janet-M · 13th August 2006, 15:24

Do a full S.A.R - (Subject Access Request) ..also send a letter telling them officially the amount they are saying you owe is in dispute.

When you recieve back your S.A.R - (Subject Access Request) let us know in here the breakdown of what it says you owe and what they have unlawfully taken from you.

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.