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.

	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.

[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!

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[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?

	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

	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.

[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)

	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

	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.

[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.

	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

	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]

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?

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[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.

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

	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.

[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

	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.

[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?

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[hughes690]

Cor - Off to Costa Del Sol today for a 4-day break (It'll pass the time waiting for my bank's response, due next Friday).

[hughes690]

Just got home - Nothing new in post from Woolwich or DCA. Friday still the deadline for responses.

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09