woolwich bank charges

[jamiejay]

Hello CAG
I have just recieved a goodwill offer of £175 from the woolwich (Barclays) which i most certainly want to decline. I don't know what my charges were in total or how far they go back, I feel that they are alot more than the offer. I am unsure what to do next or how to do it. Could anyone give me some advise on how and where to go from here.
Many thanks JJ

[essjaysea]

Have you sent off for a Data Protection Act Subject Access Request yet. If not, then that is the best place to start. They have to respond within 40 days, and then you can add up all the charges and send the preliminary letter claiming the total. These letters can be found as templates in the "Bank Templates Library" ; you just have to amend them to suit your own case.

While you waiting for the Woolwich to respond, have a good look at the FAQ's, and read through some of the longer threads to get a good idea of how to proceed with a successful claim

Good luck

	Materials library Follow this link to our library where you can use our templates and other references free of charge. You must be registered to use them - but registration is free.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[Niklowe]

http://www.consumeractiongroup.co.uk...lates-library/

[e28bigalbexley]

Hi JamieJay Wecome to CAG......

You need to send a Data Protection Act SUbject Acess Request which you will find in the banks template libary.
Then you need to spend a lot of time reading lots of different threads so you can see how these things progress or come to a grinding halt. You also, if you havent already, must read the FAQ's there is a lot of guidence in there.

Basically ppl will help if your stuck but you need to do alot of the groundwork yourself. Other than that enjoy it, it may seem daunting now but when you get your money back it'll put a big smile on your face.

Remember Read, Read,then read a bit more
Follow the guidelines
Dont give up
And stick to a timetable

Cheers AL.

[e28bigalbexley]

boo we all got here about the same time

[jamiejay]

thanks for the advise everyone. I sent off my S.A.R letter yesturday so hopefully the ball is now rooling. I will keep you all posted Thanks again JJ