Ron Vs Woolwich

[Ronaldo2k]

Hello All,

I sent an S.A.R - (Subject Access Request) resquest to The Woolwich along with the £10.00 fee and was sent all statements in a nicely sealed brown enveleope. Also enclosed, as well as all statements was a list of charges.

I double checked against the statements (call me paranoid but hey) and it all added up. Then added the Interest.

Then sent the CLaim form and covering letter back to Local Branch. This was on the 3.11.06.

Very ncie letter sent from the Branch informing me that the request was being passed to HQ.

A week later I get a nice long letter from the H.Q. requesting that I give them 40 days to look into this rather than 14.

Now, out of curtesy, I am willing to do this. However, is this the best option or should I just shown No Mercy and crush them with a 14 day limit.

Cheers,

Ron

	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.

	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.

[paddym]

no they are just using stalling tactics stick to your deadlines ! pre lim letter then 14 days lba then 14 days 28 days notice in all then issue your money claim online !

	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

[Ronaldo2k]

Many thanks.

So, should I reply informing them of the timesclae I have set is the one I expect them to adhere to?

[Thailand]

Just send the LBA when the 14 days are up Ron, between the two letters you will have already informed them. Don't give them any extra time - they are just playing with you!

	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

[Ronaldo2k]

Many thanks Thailand.
Will get that off AM on the 18th Nov.

Downside being its a Saturday

Out of curiosity. I have been sending all correspondance to the local branch. Should I send the LBA there also?

Many Thanks again,

Ron

	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

[Thailand]

You'll have to join the debate on that one Ron, local branch or Bexleyheath or Clacton-on-sea or Straight to Barclays HQ @ 1 Churchill place. Read all the FAQ's and Woolwich/Barclays threads - not forgetting the successes forum.

Your certainly doing no harm posting /delivering to local branch, it all gets where it has to get in the end.

Good luck, not needed of course,

Hth T

[Ronaldo2k]

Hi Guys,

RIght, been away for a while but now ready to take em to Court
I have caculated the total to £1663,32 (inc Interest)

Now I am trying to work out my Daily interest and have been told to take the full amount (exlc Court Fees) and times by 0.0022. This gives me a figure of 3.659304 This seems a tad incorrect.

Can anyone advise as I would like to get the CLaim in today.

many thanks,

Ron

	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.

[Thailand]

Its 0.0002 then Ron making 37p a day. I applied this figure to total charges before interest - I'm not sure wheteher that was right or not. In any case I can't see the Bank challenging that paltry figure!

	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.

[jster$$$]

hi ron

you missed a zero!!!! you multiple total of your charges plus interest by 0.00022.

good luck

	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.

[Ronaldo2k]

Originally Posted by jster$$$

hi ron

you missed a zero!!!! you multiple total of your charges plus interest by 0.00022.

good luck

Many thanks guys,

I now get the number 0.3659304 so I am looking at 36pence per day?

	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.

[jster$$$]

thats correct ron.

as thai said round it up to 0.37p.

[Ronaldo2k]

Just an update.

Started Cout Action and Woolwich responded and filed a defence on the 16 April.

However, I receieved notification from the Court but as yet have heard nothing else.

Is this the normal procedure with Woolwich?

Regards,

Ron

[Thailand]

Ron, could you go into further detail?

Have you had your Allocation Questionaire yet?. I'm getting the feeling you may need to ring the court, your post is a little ambiguous, to me anyway!

[Ronaldo2k]

nope no AQ as yet.

Have spoken to the Northampton CC and the Judge has deferred the case to Harlow CC.

I should hear something soon according to NCC.

Guessing this is AQ time?

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[Thailand]

You should recieve your AQ soon then.

There is help in the templates for filling it in Ronaldo (go UTD!)

Keep us informed - shout if you need any help.

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[Ronaldo2k]

Thanks Thailand,

Done an AQ before with NatWest but at least they had the coutersy to keep you informed of what was going on.
Zip from Woolwich.

Actually, its the Great Brazilian ROnaldo, not the namby pamby Manc one, especially as I am a Liverpool Fan :0)

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[Ronaldo2k]

Right,

I now have a Notice of Trasfer or Proceedings.

I am right in saying that the AQ will be sent next?

Cheers,
Ron

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[Thailand]

especially as I am a Liverpool Fan :0)

Remember Ron, that's not your fault I had 20 notes on you guys doing the business - its still raw.

Your AQ should be coming soon. If for any reason it doesn't arrive soon, then call Harlow CC

Thai.

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[Ronaldo2k]

I had £20.00 on Inzaghi 1st goal, Liverpool to win 2-1

Cheers, will keep you informed. Do Woolwich / Barclays always drag it out this long?

[Thailand]

So close!

Barclays always pake the tiss, where timescales are concerned. It's
all part of the 'service' that used to be a 'Penalty'

What a wunch of L**r*!, they'll pay up...you'll see.

Seaside army 2 - 0 Yeovil . Sorry to go 606 on ya, but this season rocks!

Leeds vermin...... relegated!
Man Utd........ Champs!!
Blackpool...... PROMO!!!
Preston, oh, so close..(ha ha)

Big smile on my face , it's a very rare year - when every result goes your way.