Scooterist007 vs Woolwich

[scooterist007]

Hi I'm a newbie as awork mate put me onto this site, and an excellent one it is! My first claim is with the woolwich, I sent out a a data protection act letter on the 29/09/06 and I received a list of all my charges. Sent a LBA today for £2700 so expect a sorry your unhappy letter soon!

I will keep you all posted

[paddym]

you seem to have it all under control good luck !

[babygclare]

I am also about to send my claim off to the woolwich for £2725. That is with the 8% interest but do I put that on the charge sheet at the initial stage or is it just if it goes to court?

[paddym]

hey baby please dont add the 8% interest on that only gets added on when you have issued your county court papers not before ! ok

[scooterist007]

Phew I didnt add my 8% lol, i suppose its just a waiting game now! I just wondered though, I am in arrears with them, I had a £500 overdraught, and I changed banks because I wasnt happy with them, I was -£490 and then the woolwich allowed aol to take out £17.99 from my debit card, which put into the red, so they then charged me a £30 fee for using my card and charged me a unathourised overdraught fee, then a month later they allowed aol to take out another £17.99 and even more charges! now when i opened up my new account i transfered my wages to be paid into my new account, and i transfered all my direct debits and standing orders but forgot about my payment to aol. now when I transfered my account I just destroy all the letters that had 'woolwich' written on the envelope, it wasnt until I got a letter from a collection agency I realsied what was going on and now they say I am -£900 in arrears, Now my question is, the £2700 I am reclaiming, will that go on the balance of -£900 or just the £500 overdraught if you get what im saying!

Reguards

[essjaysea]

I presume that the £900 overdraft includes all sorts of charges and interest, if the only time you have used the account is for your monthly AOL ddm.

Have you included all these charges, and the interest that the charges have cost you, in your £2700 claim?

If you have, then yes, they will almost certainly look to clear the overdraft balance, and send the remainder to you

[scooterist007]

im not sure, I just added up the charges listed on the sheet that the woolwich sent me, so I suppose so!

I got a letter on the 06/10/06 from the woolwich saying the usual blurb about sorry you feel let down on this occaison blah blah blah and we aim to resolve this matter by 03/11/06. and sent me some burb about not holding back on my feedback!

well they got a shock if they think i am waiting til the 03/11/06 for them to resolve this lol

[scooterist007]

I got a letter on saturday stating that my complaint has been handed to barclays head office and I should send all letters to them!

[scooterist007]

Right then, I got a letter from Barclays saying things along the lines of 'we are sorry you feel the bank charges are unfair blah blah terms and conditions blah blah'
but we are going to give 1000 pounds back as a good will gesture!

Now I'm not accepting a grand, I want the full amount, but what do I do next, I read through other posts of people accepting these first offers as part payments but my letter states 'in full and final settlement of you complaint'
so if I accept this offer in part payment, will I be able to pursue the rest?
Also to claim the rest, do I send out a LBA or do I phone them up?

many thanks

[wewonitfivetimes]

Hi Scooter

Write back using this template - just fill your details in.

http://www.consumeractiongroup.co.uk...ent-offer.html

They will probably not even bother writing back so you will then be onto the MCOL stage once the 14 days are up.

Don't bother with any phone calls - it aint worth the time!!or effort!!
Follow your timescales - NOT THEIRS!!

I am sure you have read them but do read and follow the procedures in the FAQ's
Good Luck fellow Barclays Basher!!

[paddym]

write back tell them youll accept their offer as an interim payment but will be pursuing them through the courts for the remainder theyll swiftly with draw their goodwill gesture so you just carry on and issue your claim !

[scooterist007]

Right sent today LBA and stated I wouldnt accept £1000 lets see what happens!

[scooterist007]

Right it is the night before the deadline! I have regesterd with mcol ready, but I dont hold much hope in barclays responding by tomorrow lol so it looks like im going to get more money than i thought!

[scooterist007]

hi folks, I have been a bit slack lately, with christmas and everything, and also work is a bit suspect lately, I havnt had the money to take woolwich to court, but I have been saving my pennies! and now think i might have enough spare cash, but how much is it going to cost me to take woolwich to court? any ideas?

Thanks

[essjaysea]

County Court Fees

[scooterist007]

hi, thanks essjaysea,

also I sent a lba sometime ago, can I still continue with the mcol? like i said I have had money problems and couldnt afford the court fees

[babygclare]

Hi Scoot! I was all ready to go for it before xmas but couldnt afford it either so paid the fees bout three weeks ago and theyve acknowleged the claim. Just calculate all the charges on the spreadsheet to give you an up to date figure and file on MCOL and kick some ass!

Good luck! Not that you'll need it!

[scooterist007]

hi baby and thanks, well good luck to you too

[livelylad]

You may be better sending them another LBA with a 7 day deadline. they may settle also it shows that you are being reasonable as you LBA deadline was a long time ago they may consider the matter closed.

[babygclare]

Hi Scoot! Whats the latest? any progress? The 28 days to defend is up on Tues with my claim so just waiting at mo. Have you filed with MCOL yet? Its worth the being el skintos for a bit to know your getting somewhere.