Brooksdad v Woolwich

[hughes690]

ADVICE PLEASE: Can I open Registration/Thread for Daughter on my computer to start ball rolling - or not?

[Michael Browne]

Yes, just start a new thread in the her banks forum

[hughes690]

About to prepare my Spreadsheet (inc 8% interest) for next stage in my claim. Can anyone give me a reference where to find in library. SS I have opened don't readily calculate tot as I enter data. Pse advise.

[Michael Browne]

Use the Simple S/S here:

http://www.consumeractiongroup.co.uk...eadsheets.html
and visual guide here:
Maisielou v Barclays - SETTLED!!

Overwrite the existing examples type of charge, amount and date.

The days since and 8% will be calculated automatically

This normally works fine. The only thing I can think of is that you may have deleted/altered a formula. All I can suggest is that you open a new s/s and try again.

[hughes690]

Ta Michael: Found and successful input of figures. Now to take my time and double-check while I await bank response - due by 5 Feb 07.

[hughes690]

UP TO MY ELBOWS in FIGURES - But getting there!

[e28bigalbexley]

Well done Hughes your almost over the worst bit filling out the ss's is a bit daunting but well worth the effort to regain your money.
Keep in touch.

AL

[hughes690]

No word from them yet - but DCA has cashed £1.00 cheque!

[hughes690]

Have just had postie. Got response from Woolwich - will digest and seek further advice on this thread soonest.

[hughes690]

Response from Woolwich (Michele Wallis?) is the usual Blah - 'we are sorry that you feel LET DOWN . . . we would explain what happens next re (my request) received by them 22/01/07. . . fully investigating . . . aim to resolve by 19 FEB 07(!!) . . . in meantime please contact . . .'

Expected response from them (after 14 days) is Sun 4 Feb 07. They say response 28 days!! (19 Feb 07)

Please advise: LBA + schedule (I have ready, inc 8% interest) do I still send after 14 days even tho awaiting their initial response?

[Michael Browne]

LBA + schedule (I have ready, inc 8% interest) do I still send after 14 days

Yes, send the LBA 14 days after the date iof your prelim,ignore their timetable. (but schedule without 8% interest)

[hughes690]

So . . . LBA after 14 days (inc Schedule of charges (without interest)) - a copy of which I sent with Prelim Letter? I will have copy on file.

[paddym]

yes thats it and remember stick to your timescale not theirs !

[hughes690]

Still no response from DCA (even tho they cashed £1.00 cheque). What response can I expect from DCA. Do I stop or continue paying my monthly 'fee' of £30.00 to them?

[hughes690]

Need to know what response to expect from DCA. Remember, they bought my Woolwich Current Account debt, £6,000-odd, mostly all unfair charges, plus Woolwich Personal Loan A/c (£1,000-odd). I pay DCA £30.00 pm (they want an increase in payment: I'm under pressure) - do I continue to pay, or not? Letter to DCA saying both A/cs 'in dispute' sent by me 19 Jan 07.

[e28bigalbexley]

They have 12 working days to respond to your request after that they are in default and cannot enforce the agreement,so you could stop the payments, thay also cannot add any penalties or interest to the account. If they continue for a further month to fail to supply you with a copy of the the original executed agreement, then they commit an offence.
And to get it enforced they would need to go to court. But as they have commmitted a serious offence they would have to explain to the judge as to why they have failed to supply the agreement you were entitled to under the Consumer Crdit Act.

AL

[hughes690]

Thanks AL - Not so long to wait, then. February 6th is my 'reply by' date.

[hughes690]

Received today (27 Jan 07) letter from DCA solicitors, whom I have always dealt with (Heatons llb) aka Equidebt. Received your notice of 'debt in dispute - awaiting instructions from Equidebt - will contact you again to discuss this matter once we have had their response.'

Does this sound in order?