consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | Bank Charges Survey Results | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ


CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here.


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 185,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Your Internet search-box

Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

Your Internet searchbox




Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Barclays Bank > The Woolwich


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 14th May 2006, 19:07   #1 (permalink)
jssandy01
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 102
jssandy01 Novitiate
Default my mum against woolwich

I now operate a joint account with my mum who is 74 years old. The account is purely used for direct debits and to pay her regular bills. Maximum amount in it at any one time is £200.
She used to look after her own accounts some time back but there was some problems with my dad's pension not being paid in which resulted in a number of DD's being bounced.
Having come accross this site I am now taking steps to claim back £234 in charges all for bounced DD's. The only income to this account is her widows pension of £262 so the charges virtually wipe out one months pension!action so far:
14/4Sent nice letter requesting refund pointing our my mum's situation giving 14 days.
20/4 Letter on Barclays headed paper received confirming receipt and that 'one of my team will contact you again as soon as possible'.No further correspondence received to-date.
2/5 My letter following up pointing out time table and refund required by 5/5/06
Have received nothing further from woolwich/Barclays
As 28 days now passed since original request I suppose next step is Moneyclaim.
Plan to issue today.
jssandy01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2006, 19:41   #2 (permalink)
jonni2bad
Site Team
 
jonni2bad's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 7,718
jonni2bad has disabled reputation
Default Re: my mum against woolwich

Great stuff - good luck too

We will keep an eye out for future updates, or if you need any other help with this
__________________
..

.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


jonni2bad is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th June 2006, 22:04   #3 (permalink)
jssandy01
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 102
jssandy01 Novitiate
Default Re: my mum against woolwich

Cannot believe it Barclays have issued defence over £257. They are claiming particulars of claim do not provide details of the account in question/ or precise charges alleged to have been unlawful or the date. I am amazed! I sent letters to them quoting account no. as well as excell spreadsheet with each charge shown with the dates? However their defence also states 'it is admitted that the claimant has an account (gives the number and sort code0) What!
They then go on to say it is entitled to charge for unauthorised borrowings and quotes terms & conditions.They also deny the legal principles relating to liquidated damages causes and penalty charges. Finaly they round it all up stating it was my fault for not agreeing overdraft facilities.
This was my mums account as advised to them originally,her being elderly she did not manage it well.
My first letter to them was polite but firm requesting return of fees under the circumstances. They never replied only got holding letters hence the legal action.
Does this sound normal Woolwich/Barclays. I have until 4/7 to submit allocation questionnaire.
jssandy01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th June 2006, 22:27   #4 (permalink)
jonni2bad
Site Team
 
jonni2bad's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 7,718
jonni2bad has disabled reputation
Default Re: my mum against woolwich

This is quite typical. For help with the Allocation Questionnaire, see below. Although you have already clearly sent in a breakdown of charges previously, we would advise sending another one to the department / solicitors acting on their behalf, and including details of this on the AQ. Send in a copy to the court too, attached to the AQ.

************************* ************************* *****

Notes for completing a small claims track allocation questionnaire - Form N149
An online PDF version of the form is HERE

Quote:
Section A - Settlement
Do you wish any further action in this claim to be postponed for one month so that you and the other party can attempt to settle the claim either by informal discussion or by alternative dispute resolution?
You have given ample opportunity to resolve this matter with your bank / credit card company etc. so there is no need to allow further time.
TICK NO


Quote:
Section B - Location of Hearing
The claim will be heard in the court to which this form must be returned. Is there any
reason why it should be transferred to another court to be heard?
If the reply address is your local court, then
TICK NO. If the reply address has changed to another location, then TICK YES and state that since you, as a private individual, are claiming against a company who carries on business in this location, then the case should be heard locally to you.


Quote:
Section C - Track
Do you agree that the small claims track is the most suitable track for this claim?
TICK Yes


Quote:
Section D - Witnesses
So far as you know at this stage, how many witnesses (other than yourself) do you intend to call to give evidence at the hearing?
Enter the number of witnesses you intend to call to give evidence not including yourself or any expert witness -
Typically this would be 0


Quote:
Section E - Experts
Do you want permission to use an expert’s report at the hearing?
Unless you know otherwise,
TICK NO


Quote:
Section F - Hearing
Are there any days within the next four months when you, an expert or a witness will
not be able to attend court for the hearing?
Unless you know of specific date that you cannot attend court (holidays etc) then
TICK NO.


Quote:
Section G - Other Information
In the space below, set out any other information you consider will help the judge to manage or clarify the claim, including any other information you consider should be supplied by the other party.
Give details of any other information that you consider will help the judge to manage the claim,
referring as necessary to any documents you might have attached. Bear in mind however that at this stage you need not attach all other documents which you wish the court to consider at the hearing. This is something you will later be asked to provide.
You may wish to add reasons why the case is more suitable for Small Claims Track if your claim value exceeds £5,000 or provide reasoning why the other side should provide evidence of their costs!

(State here that you have sent a copy of charges breakdown to the bank)

Quote:
Section H - Fee
Have you attached the fee for filing this allocation questionnaire?
You should note that if you do not pay this fee it might lead to your claim being struck out.
If you are the claimant, depending on the value of your claim, you may have to pay a court fee. If you have not applied for fee exemption or remission, the fee must be sent to the court at the same time as your completed questionnaire - in other words, you could get help from the court.
If you are in receipt of certain benefits, or if this fee would cause you undue hardship, it may be possible to pay nothing, a reduced fee, or even have the payment deferred until a later time.
Contact the Court directly if you think this applies to you.

Quote:
Section H - Signature
This questionnaire must be signed by only the party to the claim, or litigation friend, or legal representative.
__________________
..

.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


jonni2bad is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th September 2006, 14:08   #5 (permalink)
jssandy01
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 102
jssandy01 Novitiate
Default Re: my mum against woolwich

Help!!! ...Filled in allocation documentation and court has allocated to fast track but they the court has also ordered that the claim be on hold to await outcome of test case in Southend to be heared by the end of the year which could stop the need for litigation in these cases!!!
Anyone heared anything about that before and is there anything I can do? What impact could this have on future and existing claims. This notice came from Tunbridge Wells County Court
jssandy01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th September 2006, 16:39   #6 (permalink)
paddym
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 758
paddym Informativepaddym Informative
Default Re: my mum against woolwich

check with one of the moderaters !
paddym is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2006, 00:40   #7 (permalink)
jonni2bad
Site Team
 
jonni2bad's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 7,718
jonni2bad has disabled reputation
Default Re: my mum against woolwich

As far as fast track is concerned, you might take this as a positive move by a Judge. The amount you are claiming would normally guarantee a small claims track case, but Judges are aware of the number of cases and the bank's refusal to appear.

Awarding this a fast-track status would give you Standard Disclosure (not words a bank likes to hear) but would also very likely limit your liability to costs (since the Judge moved it even though the value was low)

As for the Stay - please try to contact BankFodder if you would like to challenge this decision. He can help you just like he has helped others...
__________________
..

.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


jonni2bad is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2006, 13:48   #8 (permalink)
Billy Bob
Guest
 
Posts: n/a
Default Re: my mum against woolwich

So what's happened now? Please keep us updated.
 
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th September 2006, 00:00   #9 (permalink)
jssandy01
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 102
jssandy01 Novitiate
Default Re: my mum against woolwich

I am using Bankfodders guides to have the stay removed and the case retained in the small claims court. I have also written to woolwich to let them know my intentions and to give them an opportinity to settlebefore I do that. Thought it would look good to a judge that I have made the attempt.
Will keep you posted.
jssandy01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th September 2006, 00:51   #10 (permalink)
jssandy01
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 102
jssandy01 Novitiate
Default Re: my mum against woolwich

Does anyone know of the case in Southend reffered to by the judge who stayed my case?

I have writted to Barclays legal bod today advising I will apply to have stay removed in 7 days giving them one week to cough up and save the court time.
jssandy01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd March 2007, 01:11   #11 (permalink)
jssandy01
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 102
jssandy01 Novitiate
Default Re: my mum against woolwich

I have today applied for the stay to be lifted. i a not going to give. there has been no test case
Used template from sticky to apply.
Here we go again.
jssandy01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
woolwich - who to sue???Barclays t/a woolwich or woolwich... traceyrmj The Woolwich 10 22nd September 2007 16:36
has any one won against woolwich rhianweir Mortgage companies 13 29th January 2007 11:36
Me and Woolwich andyj Barclays, BCard and Woolwich successes 0 17th November 2006 12:52
Bye Bye Woolwich gbd The Woolwich 10 2nd July 2006 23:25




Do your Internet search here:
UK Web Image



The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.