help in a panic

[poorlor]

hi there im a newbie and have just started looking into reclaiming my bank charges, I was wondering how sucessesful people have been, and is it really more stressful than its worth?? especially talk about courts ect, brings me out in a cold sweat.brrrrrrrrr. By the way I am with the WOOLWICH, which from May will be part of Barcalays anyone had dealings with the woolwich ?

[happyolddog]

hi, poorlor,
Start by reading other peoples threads in here,
http://www.consumeractiongroup.co.uk/forum/woolwich/

Then start your own.Also visit live chat room for any instant advice.

[livelylad]

Of course its worth it!! they have taken your money unlawfully. also the help and assistance you require is on this site. Spend some time reading the FAQS and step by step instructions. As happy says start a thread then post your questions there.

[poorlor]

Hi I am new to this site, I have just sent off my £10 and letter to woolwich for my records, fingers x, and I must say find all the info on here from you all very helpful

[amandaardley]

well done and good luck keep us up to date

amanda

[poorlor]

Thankyou, I am going to read all material available and go for it

[poorlor]

Hi there I sent a letter to the woolwich last week requesting my bank statements, today in the post the woolwich have returned my £10 cheque, with no explanation of why the cheque has been returned. Also included was a letter stating that they are looking into my complaint and aim to resolve the matter by the 23rd March etc,etc.......... , no mention of my statements. Can anyone tell me if this is a standard letter that gets sent out to all their customers, when they have requested their statements ? thankyou

[poorlor]

Hi there I sent a letter to the woolwich last week requesting my bank statements, today in the post the woolwich have returned my £10 cheque, with no explanation of why the cheque has been returned. Also included was a letter stating that they are looking into my complaint and aim to resolve the matter by the 23rd March etc,etc.......... , no mention of my statements. Can anyone tell me if this is a standard letter that gets sent out to all their customers, when they have requested their statements ? thankyou

[ladybird17]

Did you send the template S.A.R - (Subject Access Request) letter from this site?

[amandaardley]

in other words they know exactly what u are after and will probably send u a list of all bank charges, i would call them and say what u playing at i ask for statements when do i expect to get them

amanda

[ladybird17]

Please bear in mind, that if you have sent a S.A.R - (Subject Access Request), they are not obligated to send you statements. They are obligated to send you details of transactions & charges - now these are very usually sent out in the form of copy statements - but they don't HAVE to be. They can be in the form of a list or a schedule. The S.A.R - (Subject Access Request) letter allows for this, which is why I asked if you had sent the SAR from this site.

[amandaardley]

they sent me the same letter, u should receive a list of ur bank charges soon, i sent mine on the 29th jan and recieved that letter back on the2nd feb and only last week 21st feb did i recieve a list of charges no statements or copies. then i sent the prelim on the 22nd feb and recieved a letter of an offer on the 26th so they are moving really quick

dont worry give them the 40 days from when u sent S.A.R - (Subject Access Request) they will get back to u with that list

amanda

[poorlor]

no I got the letterI sent from
Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more,

and then found this site after, which I find more helpful and much more informative, does it make a difference? do I need to contact the Woolwich again ??????? Im confused already help

[poorlor]

sor ry dont know what happened there. I got the letter from
MoneySavingExpert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more

[richthegill]

Don't worry. Woolwich & Barclays don't charge for SARs and the letter you received is the standard letter. You will get sent a list of your charges, and it should be within the 40 days.

Exactly the same happened to me.
I sent my S.A.R - (Subject Access Request) on the 25th of January and recieved my charges on the 13th of febuary.

[ladybird17]

ah well, there's your answer then. We can assume from now on then that every bank treats every request and every claim in exactly the same way.

[richthegill]

Really it's just an acknowledgment of the request and the date it would be dealt by is if it didn't have a time limit.

Also you won't get your statements. You will only get a list of all the charges accrued, date they were incurred and the date they were applied,

[poorlor]

Great, thankyou all for your advice

[poorlor]

Hi there I was wondering if some one could tell me why they are not using the services of the financial ombudsman, Rather than going through the courts???????? from what Ive read they will deal with your case free of charge, once you have applied to the banks for monies to be returned, and they do not comply, to me it sounds much easier than dealing with courts and the paperwork that goes with it. Am I missing the point or are using the services of the FO not as straight forward as it seems?. dont get me wrong Im not knocking this site in any way, but Im really worried bout filling in court forms if it gets that far, and thought if the FO could do it for me that would be the way to go. Would appreciate advice on this subject. thanx

[welshcakes]

Regards the list of all charges that we can all expect - will the list itemise whether the charge is returned DD, returned cheques etc? Surely we need the charges broken down in order to complete the itemised Schedule of Charges?