LastLaugh V Woolwich-Help Not what I expected!

[Lastlaugh]

Hi can anyone advise me? I sent my S.A.R - (Subject Access Request) along with cheque which was returned with a standard ........we are so sorry that you are unhappy blah blah blah. Today I have received a letter from The woolwich with a summary of charges from 31/01/05- 21/11/06 - Total £2562.00. No other information. Is this correct?
Please help!

[Battleaxe]

No, it is in correct. Write back to them remindin them that the clockl started ticking two days after the date of your original letter, return the monjey and insist that they comply with the S.A.R - (Subject Access Request) and that you are reporting this matter to Information Commissioners Office. Tell tham that if they do not comply within the time allowed by the Data Protection Act and your original request, you will not hesitate to commence legal actioon for non-compliance

Keep to you original timelines and do not allow them to divert you. You are in control, not them and their stalling techniques

[paddym]

To be honest a lot of us have in the past received such summaries of our accounts which have been spot on for charges taken from us however there was concerns from members who had in the past had charges refunded so you can still ask for more info regarding your S.A.R - (Subject Access Request) however if i were you i would start the process of asking for my money back the sooner you get your prelim and LBA sent of the sooner you can issue court proceedings because im sure you are aware if you read other posts the woolwich do not budge unless court papers are issued they will drag their heels at every chance they get !

[amandaardley]

i was just sent a list of charges from the woolwich and im just going with that, i think it would be correct.

amandax

[PPMAN159]

Amanda

Surely the Woolwich should send you statements going back six years based on your S.A.R - (Subject Access Request)-otherwise how can you be sure that the figures that they given to you are accurate and complete?

[Lastlaugh]

Thank you everybody for your help, the problem I have is that I have charges for only two years and I dont know if there were any charges before this. Shall I send an LBA for the amount in the summary for the two years and also send a letter asking for the other information as per my S.A.R - (Subject Access Request) request?

[PPMAN159]

If it was me I would send out the SRA first just to see if there are any other charges due back to you.

Then you can amalgamate these in the one LBA-might be easier to track.

[amandaardley]

hi ppman, i didnt find this site until after i sent my S.A.R - (Subject Access Request) and in the letter i used it just said list of charges, i took their word for it, it sounds about right, cant be bothered waiting longer for statements, if it turns out that its incorrect and they owe me more then i will take them to court, as i already am at the mo.

amandax

[MadMat]

I used the list they sent me as the basis of my claim with no problems.

How was the S.A.R - (Subject Access Request) worded? did you actually ask for copy statements? or just details of the charges? if the second, then technically they have complied with your request!

Mat

[amandaardley]

yeh mine was worded to say list of charges, as i got it from another site, but im ok with that, i think if they have put anything on that list thats inaccurate then they are liable, so its in their best intrests to be honest with it.

ive now filed my court claim so im happy

amandax

[Lastlaugh]

Thank you PPMAN, I have called them and they say there are no other charges. I have just gone to the templates library to use the template letter requesting the charges and there is a part which talks about overdraft interest. I dont know how much this is because I just got a summary of default charges. What shall i do just not include the interest?

[welshcakes]

I just received my list of charges. They are all correct however they do not include the interest charged to me that was solely due to the accumulated unlawful charges taken me into unauthorised OD on three occassions during the 6 years. I only notice this as I did have statements pertaining to those particular periods and cross referenced.

For me, it wasn't a great deal of money however I'm sure the interest charges (they add it monthly on a basc current account) would add up to a lot for many of these claims. Therefore, unless I'm much mistaken, these interest charges will only come to light for most claimants unless they have their actual statements provided.

[Lastlaugh]

Shall I just ask for the charges back without the overdraft interest? Do I leave that bit out of the letter about the interest?
Thank you!

[paddym]

yes interest can only be added once you have issued court proceedings !

[Lastlaugh]

Thank you Paddym - the first letter is going off today asking for the repayment as per the template on this site. I have given them 14days to respond.

[paddym]

Thats the job you have it under control ! just stick to your timescales !

[amandaardley]

on ur list of charges did they abrvieate what the charges were such as RC, OD, etc, because if so then the daily overdraft is OD, i phoned and they confirmed this is ontop of the charges ie, £3 a day

amandax

[Lastlaugh]

Hi Amanda,
Thank you yes the OD is on the list they sent me and so I will be covered. Thank you very much you have been very helpful

[amandaardley]

ur welcome hunnie, its a bit confusing when they abreviate it, but at least now u know that, thats the interest they have charged u, good luck with ur claim

amandax

[Lastlaugh]

Can anyone advise? I have received the response to the first letter asking for repayment which is exactly the same as the letter I received for the S.A.R - (Subject Access Request) request. It also says they aim to resolve this matter by 11th May. Shall I send out the LBA?