Delboy against The Woolwich

[Delboy01]

OK Around 15th September, unhappy with the charges on my account I asked for Customer Services to send the complete list of charges on my account.

I have included every single charge on the sheet UC RC QC OD DC and Information Commissioner, hopefully I am correct in including everything and that there are not things I should include in my figure, could someone tell me if I am right in doing so?

OK the Total Amount of Charges on my account since opened is £xxxx.xx
At the moment I have decided not to go anywhere near claiming the interest on these charges.

The letter from Cust Relations says If we do not hear from etc in 8 wks of this letter I will close my complaint file in acc.

Do I ring them up and say "hang on with closing the file I am considering claiming back the charges with the help of CAG"

Or open a parachute account monday and the send the first letter?

Much appreciated for your help in advance

Delboy01

	Parachute account "Parachute account" describes a second bank account opened expressly in order to avoid retaliatory action by a customer's usual bank once a bank charges claim had been commenced. The term "parachute account" was first used in this sense by BankFodder on the 22nd February 2006 and has since become part of general usage in this context. "parachute account" is used regularly by Martin Lewis of MoneySavingExpert.com and also by the National press.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[nathal]

stick to the timetable
Data Protection Act request
prelim
lba
court

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[Delboy01]

Ta Nathal, But my bank charges wernt sent to me as a result of a Data Protection Act request
I rang in to complain and requested a list of all charges. At that moment in time I wasnt going for or aware of the CAG and its procedure...

Are you Saying I should forget the letter from the Customer Services but instead go thro the full process??

Many Thanks

	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.

[nathal]

just start with your prelim with the schedule attached

ignore their letter

[Delboy01]

I need to be very sure on TWO points

1. I have totalled ALL CHARGES that were Applied since 2002, There are not any charges that I cannot claim for is there?

2. I am not going to charge interest on these charges as I find the Spreadsheets a bit scary and so cant be bothered.

So my claim:-

What I require
I calculate that you have taken £9999.99
I enclose a schedule of the charges which I am claiming with this letter

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Mumofthreeboys]

All charges are reclaimable and the matter of interest is up to you, probably wouldn't amount to much anyway. Go for it.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Delboy01]

Thankyou Mum

I shall open a parachute account monday and send the letter off the same day.

	Parachute account "Parachute account" describes a second bank account opened expressly in order to avoid retaliatory action by a customer's usual bank once a bank charges claim had been commenced. The term "parachute account" was first used in this sense by BankFodder on the 22nd February 2006 and has since become part of general usage in this context. "parachute account" is used regularly by Martin Lewis of MoneySavingExpert.com and also by the National press.

[Delboy01]

Ok a little bit later than prev mentioned,,,,,,,,,,

Applied for a Nationwide Flex account over the phone .....Declined

Today applied for a Nat West Step Account, over the phone and OKd !!!!

I asked "have you done all the credit checks?" and she replied yes! just sign forms and send back, as well as take some ID and a bill into a local branch.. Is this the norm? I was expecting more grief.

[e28bigalbexley]

Hi Del
if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.
al.

[Delboy01]

Originally Posted by e28bigalbexley

Hi Del
if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.
al.

Thnx AL, been keeping an eye on your progess over last couple of weeks

Does my prim have to be (registered) tho

[MadMat]

I've been sending all my letters recorded, you can then use the royal mail website to get a printout proving the date the letter was delivered. That way theres no chance they can claim a letter was never recieved.

Mat

[Delboy01]

OK I have posted the prelim letter to .. Woolwich Customer Contact Centre in Clacton CO15 1WH.

I have stopped all monies going into my account as they are due to whack me with failed DD charges. This will Put me over my Overdraft limit. and hence incur £3 a day charges. All DDs have been stopped. How do I deal with the account side pressure I shall no doubt get from them, regarding returning my account below my O/D level.? As I dont really want to go through the default bits and pieces.......

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Mumofthreeboys]

Tell them the account is in dispute, they can't do anything to it whilst it's in dispute, it breaches the Banking Code section 13 para 6.

	The Banking Code Follow this link to read the Banking Code in full. Ofen ignored by its subscribers, half-heartedly monitored and poorly enforced

	Disputed account materials Follow this link to our library of materials to help you try to deal with the problems of defaults on disputed accounts. It is contrary to Information Commissioner guidelines and also contrary to the banking code to default disputed accounts. However, it happens all the time.

[Delboy01]

Originally Posted by Mumofthreeboys

Tell them the account is in dispute, they can't do anything to it whilst it's in dispute, it breaches the Banking Code section 13 para 6.

Thankyou MOTB, so, as soon as the prelim letter was sent the account is deemed to be in dispute, is that correct?

[Mumofthreeboys]

That is correct.

[Delboy01]

Just a thought, As I said before the Wool sent me a list of all charges on the account, what I did was add up all the charges and got a total.
Now what might be included in that total are some charges that might have been made and then might have been refunded by the Wool. IE my total is probably incorrect.

I dont think it will get to the stage where they would say "your total is incorrect, we refunded you this charge and that charge"

What does you all think about this as I value all advice on this forum????

[hagenuk]

I think if you believe, as you clearly state you do, that your total is "probably incorrect" then you should correct it without delay.

The Woolwich are owned by Barlclays plc, a hugely successful company that have made money their business.

They will notice, make no mistake.

[Mumofthreeboys]

Originally Posted by Delboy01

I dont think it will get to the stage where they would say "your total is incorrect, we refunded you this charge and that charge"

I think you should make sure your spreadsheet is correct. Any credits to your account for the return of charges should be shown on it.

[Delboy01]

MOTB I dont have "a Spreadsheet" I have the info they sent me,
Titled "charges on accnt no"

It details charge type, date incurred , date applied , charge amount, transaction amount, avail balance, and info

I totalled up the charge amount column for my total. on these sheets there is no indication of any return of charges.

1. So how do I find out which were refunded from the Woolwich,
2. having sent my prelim with "incorrect total" info, what is my plan of action, and in what order should it be.
3. How do I let the woolwich know my claim total may not be correct?
4. How do I get out of this mess, and get back on track.

Ta

Delboy

[Mumofthreeboys]

I what form did they send you this information?

When you sent your letter you should have attached a spreadsheet to it.