Woolwich Bank Charges

[lily007]

Hi

I sent my letter on the 24th August (the 1st one) Data Protection including £10.. In response I receieved the usual blurb apologising that I was unhappy. And then another sending my cheque back and saying they will issue me with a schedule of all my bank charges by the 3rd October ( No charge). What do I do now !!!!

	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.

[voddiemonster]

You cant do anything until the 40 days has passed. Which will be beginning of September. In the meantime i would recommend reading up on the whole process, so that by the time you have recieved your statements you know what the next steps will be and you will be confident in doing them.

Good Luck

[GSMGuy]

Erm 40 days would make it mid Oct if I'm not mistaken??

Mike