silverspike v The Woolwich

[silverspike]

It's taken some time for me to get a parachute account open but have finally managed it so am now underway.
I sent a 40 day Data Protection Act off on 4 Jan 07.
I am now getting ready for the long haul!

[Rooster-UK]

Hi Silverspike.
That's the spirit.
Keep us informed of your progress.

Good luck.
Regards, Rooster.

[paddym]

good luck spike everything will be fine you seem to have it all under control in the meantime while your waiting just keep on reading the other forum members threads it will let you know what lays ahead of you !

[silverspike]

I received a reply dated 8 Jan 07 from a Peter Townsend,regarding the Data Protection Act request i posted. Basically the same as the one in e28bigalbexleys thread elsewhere, so copied and pasted most of it (see below) to save me typing!

DATA PROTECTION ACT
"We refer to your letter of 3 January, which was passed to this department for comment due to your request for certain information under the terms of the Data Protection Act("the Data Protection Act")".
"As requested, a schedule of charges is in course of preparation and this will be sent to you shortly by the Woolwich; there will be no charge for this service and the bank will provide this information on a complimentary basis, your cheque is returned herewith".
"As regards your mention of "manual intervention", the Data Protection Act does not oblige the Bank to comment about internal policies or procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the Bank does not hold the information you have requested in a form which would be covered by the Data Protection Act.Whilst aggregated information is retained for statistical purposes, this would not constitute "personal data" under the DPA and therefore would not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA, is in no way an admission that there was no such manual intervention".
Yours sincereley
xxxxxxxxxxx
So basically i take it this means that,we will send you your list of charges when we can get around to it and although the information you requested is in a form that is not covered by the Data Protection Act i.e. not on paper, this doesn't mean that we didn't have to work very hard to do what ever it was we had to do and therefore were within our rights to charge you a helluva lot for it!
I take it i just continue to wait out the remainder of the 40 days for my list of charges to arrive now,anyone?

[e28bigalbexley]

Hi Silver
Yeah thats basically a standard reply (as my very good friend paddy has already said)(i'll be over in april/may, paddy) so sit back have a read through the woolwich threads and you will see that although its a bit of a plod you will get your money back, (this is the good bit) without setting foot in a court
AL

[silverspike]

Hi everyone,
I have not been able to get on here for a while as the latest charges have meant i have been unable to pay BT or my broadband supplier so have been cut off!
I received a letter from Woolwich Collections a couple of days ago outlining my latest transgressions and how much they would be charging me i.e. £35 + £3 a day until i am back in the black. I was just about to send them a letter today suggesting they add these charges to the list and that they only had 20 days of the Data Protection Act period left to supply me with them,when the postman delivered a list of charges totalling £1,784 as had been requested. This was supplied by a Stacy White, Case Manager.

This was not statements or a list of all my transactions so i could highlight charges myself, it was just a list of what they say i have been charged. Can i just trust this or do i need to do something else? Sorry i haven't got long to search around for the answer myself as i am not using my PC. So i hope someone reading this can help.
Cheers

[e28bigalbexley]

Hi Silver
the few instances i have read all the woolwich calcs are wrong, they are either (as you would expect) well short, but a couple have been over, i would have a good check when you get your statements 20/30 mins running through looking for penalties, just to satisfy your own mind.

AL

[bigmama59]

That is exactly the same as I received today from the same person, will they still send copy statements as well?

[e28bigalbexley]

Well i would sooner have the statements, they were sending out statements last year but it must have been costing them a small fortune to do that. So they have resorted to the list mentioned in the S.A.R - (Subject Access Request) trouble is im not sure your print out shows interest added or the state of the account, which you could do with a statement. See how you get on.
AL

[silverspike]

Well, i haven't been able to get on the internet for some time, i have been waiting for new internet access to be installed.
Anyway in the meantime i have sent letter asking Woolwich to pay up! I only asked for basic charges that i could see had been taken on their provided list, in the absence of detailed statements.
I have received the "we endevour to see to this in our own good time reply" and on Monday their first 14 days of goodwill will be up, i will then give them another 14 days to reconsider their actions before starting action if necessary (probably!).
I have not added on any further charges applied to my account as i no longer put any money in this bank so they are charges in name only. I hope this won't come back to bite me! Or should i add to my next letter that i want any further 'charges' after claim dates removed?

[trying to save]

i wrote to the woolwich on the 19/02/2007 asking for a refund of £582.00 and was told on the 26/02/2007 that i would here from them by the 22/03/2007 i then received a letter on the 6th of march offering me £330 as a full and final settlement which i have wrote back and refused and also added on the other 2 charges of £35.00 each for going 18p over my buffer zone giving them 14 days or i will proceed with claiming through the court my claim seems quite small in respect to some of the claims i have been reading about i hope that they will settle soon could do with the cash good luck to everyone claiming

[e28bigalbexley]

Originally Posted by silverspike

Well, i haven't been able to get on the internet for some time, i have been waiting for new internet access to be installed.
Anyway in the meantime i have sent letter asking Woolwich to pay up! I only asked for basic charges that i could see had been taken on their provided list, in the absence of detailed statements.
I have received the "we endevour to see to this in our own good time reply" and on Monday their first 14 days of goodwill will be up, i will then give them another 14 days to reconsider their actions before starting action if necessary (probably!).
I have not added on any further charges applied to my account as i no longer put any money in this bank so they are charges in name only. I hope this won't come back to bite me! Or should i add to my next letter that i want any further 'charges' after claim dates removed?

Hi Silver
If you (or the woolwich) have not closed the account then charges will be applied if you cannot maintain a credit balance. All you need to do is to add them to your shedule of charges when you send your prelim letter 2. Letter - Preliminary approach for repayment. .
Do it right, follow the laid down proceedure and if they do try to bite at least you will have removed their teeth and they can then only gum you to death .

AL

[silverspike]

Hi All,
I have received an offer today of £1340 in full and final settlement (the claim is for £1700+) i will give it some thought as it is much more than their usual 50% offer. However i think this just shows that they know their time is nearly up with this particular money making scheme of theirs so want to settle up before they are TOLD to pay up.
I really don't like their attitude either so will probably decide to hold out for the full amount. I need to talk it over with my wife first.

[amandaardley]

thats great news hun, but yeh ur right to have a think about it, coz they are still in the wrong holding on to some of ur money and if they ahve offered u that then they will pay the whole amount,

good luck with whatever u decide hunnie.

amandax

[steve31]

I refused the offer I got that was about £200 short by email, got an email back the next morning offering the full amount....
Just some food for thought for you. They actually offered the full amount for charges but didn't want to pay the extra costs I'd asked for. When I said we'll let the judge decide they offered to pay them.