dylon vs the woolwich

dylon · 26th February 2007, 23:55

I have sent the woolwich all 3 letters got standard letters back deadline is the 28th feb,last letter said all info has been passed on to barclays HO I will hear from them within 8 wks,what do I do now?HELP

Michael Browne · 27th February 2007, 00:00

File at court 14 days after your LBA.

clairec · 27th February 2007, 00:03

Hi there dylon, my advice would be to proceed within the deadlines you set. I waited after recieving the letter telling me i would hear from them within 8 weeks, they offered me £1000 after about 4 weeks. Personally I wish I had just pressed on because I want a FULL refund. Its just another way of delaying you taking them to court.
Hope this helps
clairec!

dylon · 27th February 2007, 01:18

Thanks Clairec for your advice I will file at the court on MY deadline

dylon · 27th February 2007, 01:54

The woolwich have charged me over £5000 in costs do I reduce my claim so as to stay within the small claims court

twisted-pixel · 27th February 2007, 11:00

I have the same question...I'm still waiting for my statements to show how much they owe me but I strongly suspect it will be over £5000. It seems that some people do one claim for over £5000 and some split the claims up..one for £4000 and one for £2000 say. I think it is all to do with court processes and court fees though.

dylon · 27th February 2007, 21:15

Thanks twisted-pixel,that's a good way of getting around the claim limit

dylon · 28th February 2007, 00:02

Thanks Micheal for the reply,do I ring barclays H.O to remind them of the deadline?

Michael Browne · 28th February 2007, 00:16

dylon · 28th February 2007, 01:03

Thanks again Micheai

dylon · 28th February 2007, 19:39

I am going on MCOL to start my claim do I issue it to the woolwich HO or barclays HO, I got letter from barclay's HO today offering £1000.00 as a goodwill gesture,do I reply saying thanks but no thanks?

Advoc8 · 28th February 2007, 19:42

If you don't want to accept the £1000 as settlement, then say thanks but no thanks.

dylon · 28th February 2007, 19:47

Thanks Advoc8,I am after £5000.00 in charges,etc.who do I issue my claim against woolwich or barclays

Advoc8 · 28th February 2007, 19:55

Barclays Bank PLC t/a Woolwich

dylon · 28th February 2007, 19:58

Thanks again Advoc8

dylon · 28th February 2007, 20:44

Because my schedule of charges sent to the woolwich is over £5000 do I reduce the claim when I go on MCOL,also I'm not sure of the date I opened my account it's at least 15yrs or so,I haven't included any interest do I have do this?

Advoc8 · 28th February 2007, 20:49

1. Date of your account not crucial just put (for example) 'opened prior to 1992'.

2. Splitting the claim. Up to you - I'd do it as one lump to get it over with but it depends if you are in a position to pay higher court and allocation fees or not, plus you face a risk of higher costs if your claim is fast-tracked, goes to court and you lose.

3. Interest - yes include this for MCOL

dylon · 28th February 2007, 20:59

Can I reduce the claim to £4999 and start a new claim for the rest plus other charges they have made to my account since I made my first letter was sent

Advoc8 · 28th February 2007, 21:00

You can but you might want to wait until the first one is settled before you start the second as the court can use its case management powers to merge your claims if it feels so inclined.

dylon · 28th February 2007, 21:17

Does it make things diffcult if I reduce the claim as my schedule of charges total £5,338.50 and then start again by issuing new letters for the rest of the charges?

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