Kat v Woolwich

[katlondon]

Sent my first letter today asking for a list of charges. I would guess the total will be about £2000. Fingers crossed !

[katlondon]

Ok. I've recieved two identical letters this morning. Standard blurb - "we have taken responsibility for fully investigating the issues you have raised, blah blah - "provide you with an answer by 22nd May" . That will be nearly seven weeks from my initial letter.
This seems to be the way Woolwich are dealing with everybody - delay as much as possible.

[amandaardley]

hi hun

its a standard letter, stating they will give u 8 weeks ha ha ha

stick to ur times they have 40 days + 2 to get ur info to u then u send ur prelim letter and give them 14 days, then the lba 14 days then court claim

stick with ur times not theirs and ull be fine

amandax

	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

[magpie3]

Welcome Kat,
Great advice and support on this forum. Just stick to your deadlines. Good Luck (not really needed)

[katlondon]

Woolwich Open Plan have replied with a list of charges applied to my account since 2001. The total is £1093, less than I imagined, but I've obviously not been as bad as I thought ! A few of the charges are for unauthorised overdraft ie. going over my overdraft limit by a small amount. Do I include these ?

	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.

[jster$$$]

if its the £3 per day then yes

[katlondon]

Thanks. Yes it is the £3 per day - which they truly clobbered me with during a very bad patch in 2003. I'm going to add statutory interest at 8% (£0.24 per day) too. I've used the spreadsheet to work this out. It will hopefully give me a bit more bargaining power.

	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.

[welshcakes]

HI kat

Don't add the 8% until you lodge your claim with the court. Have a read through the step by step guide on the site