request for DPA Account now to be closed

[moonie]

Three days ago, my husband and I requested a copy of our statements under the Data Protection Act in a telephone call with the Woolwich. They were very unhelpful until my husband explained he was entitled to the information going back 6 years etc.

This morning we have received a Termination Letter from the woolwich closing the account.

What a bunch of buggers .. we still haven't received the Data Protection Act request either.

Moonie

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[moonie]

Ok the initial anger, shock, frustration of receiving their letter has finally worn off.

The whole amount they are claiming back is made up of their bank charges, and no matter how many times we've contacted them about it by phone, they tell us there is nothing they can do about it.

We requested our statements etc., under the guidelines of the letter in the library 3 days before receiving this letter from them. I was prepared to wait and take action when I had that information, but they've decided to speed matters up by sending us a Termination Notice.

So in response to their letter, we have dispatched our own, basically telling them that we dispute the amount owed as it is purely made up of their illegal penalty charges. We are claiming back £839 which they have charged us in the last year (that's over 1 whole month of my salary gone to the Woolwich in 12 months).

It also went on to say, that if they do go ahead and register a default notice against us, we will take action to have it removed.

They now have 14 days to reply.

	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.

Are you only claiming 12 months now?

Sting the B******S for more!

[moonie]

At the moment I'm going ahead with the information we have, but when I get the 6 years worth of statments back I'll be claiming that as well.

My OH is with the Woolwich

We just sent the Data Protection Act letter on 16th and had a letter back saying "sorry for your complaint we will respond by May 18th' Blah Blah!

He doesnt have an OD tho so maybe thats why they are closing yours down .....they think they can scare you

Dont worry just open another and start from scratch!

Good Luck

Lou x

[moonie]

Postie delivered 2 big envelopes containing statements.

On checking it appears that certain months are missing - 10 months worth of statements. And these statements only apply to 1 account, not the 2 we requested.

I've tottied up my charges and it appears they owe us over £2000 .

10 months for 1 account CHRIKEY!!!

[moonie]

we had 6 years worth of statements through .... but we're missing 10 months out of those 6 years. So the total will probably go up a wee bit more.

Oh i got ya! Lol I was shocked then!

Good luck!

Lou x

[moonie]

ok we called the woolwich .... did we sort out the queries? .. sort of.

The request for the missing statements wasn't a problem. Rang openplan and requested them, Tracy politely said they would send them in the next 2 days, plus the missing statements for the other account, although she did want to charge us £340 for them. Not on your nelly, was the general response !

The hunt for a name of who is dealing with our letter was much harder. They really don't like giving out names at all.

[moonie]

Received all the statements for 1 of the accounts and had a standard reply from Woolwich.

Written another letter with the 'new' total and given them another 14 days to reply (thought it reasonable to do this as I've given them new information).

I've also written in that letter that I expect them to refrain from issuing a default on the account as this matter is now in dispute.

[Yasmin]

mmm well very best of luck with your claim. They defaulted me purely on debit balance made up of penalty charges. Have refunded the £700 approx in three seperate amounts, finally, but are refusing to remove default. This has been ongoing....online dispute with credit ref agencies etc. Thanx to info. on this site will now take this a stage further ..... I C. Hope they don't default you , too stressful LOL.

[moonie]

I'm bored waiting for something to happen. I wish they would just send the expected letter saying, 'bog off' then I can send my LBA.

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[moonie]

After writing the above, postie then delivered a surprise package of 6 years worth of statements regarding our 2nd account with the Woolwich.

Another quick tot up of charges comes to over £1000

[moonie]

letter from woolwich today saying our claim has been passed to Barclays head office.

[moonie]

Actually, what the Woolwich said in their letter was;

"in view of the complex nature of the issue you have raised, your complaint has now been ESCALATED to our Head Office Customer Relations Unit"

I'm not sure as to what was so complex about it.

But I feel slightly honoured the Woolwich felt the need to ESCALATE it, does this mean I skip to the front of the long queue at Barclays waiting for refunds?

Anyway, the LBA will be sent in 6 days time as per my timescale regardless of whether Barclays write back or not.

	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

[moonie]

Today received letter of acknowledgement from Mike Brophy - Barclays regarding our claim and he says they will be in touch by 6 June.

LBA + 2 additional charges + 8% all worked out and ready to send on Monday 15th.

	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

Good Luck!

Lou x

[dinghy]

Sounds like you've been seriously ****ed around...

Best of luck

[GSMGuy]

Did you send your LBA? I'm with the Woolich and sent them an inital demad for repayment of £2544.77 for one of my 3accounts on 2nd May - recorded delivery, and it was delivered on 3rd May - Had a letter back saying it was passed to Barclays as yours was, giving them until Fri before next letter, which I think is the LBA..

Mike

	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