Woolwich passed the 40 days allowed!!!

[yankee_bloke]

Today was 41 days since my recorded deliverly letter was signed for at Bexleyheath, without any statement etc recieved.

I phoned openplan and spoke with a very helpful assistant, who spent ages looking into it, finally came back to me, apologising for the "technical error" and that my information would be rushed to me (she re-sent the letter from me to the correct department) She was kind enough to give me her full name, and make a computer entry into the system of my call today chasing the Data Protection Act, and her actions.

I should finally get the info in the next 3-5 working days.

I wonder should i report them for going over the 40 days? or hold back for now, but use the threat of reporting them to further strengthing my claim?

[mahala]

send them a letter, regardless of the conversation you had (these good intentions tend to fall by the wayside once the customer is no longer on the phone) giving the 7 days to comply. Failure to comply will mean you escalate the matter into a complaint to the Information Commissioner and/or action in the County Court.

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[alanfromderby]

I would agree with mahala, however, include in the letter the details of your telephone conversation including the name of the person you spoke to, and say that you expect to receive the information within the promised timescale, or you will take enforcement action.

[yankee_bloke]

Ok i put in the post today this letter:

"The Woolwich
Watling Street
Bexleyheath
DA6 7RR

Dear Sir/Madam

Account: XXXXXXXX

On 27th of March 2006, a recorded delivery letter from myself was received and signed for at your address above. This letter asked for information on the above mentioned account under the data protection act of 1998. The request was for a list of transactions and charges for the past 6 years applied to the above account.

You have failed to provide a complete list of transactions and charges.

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

Yours faithfully,"


Hopefully that will shake them into some action¬

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[Mumofthreeboys]

I'm dealing with the Woolwich at Bexleyheath and I can tell you they don't know their a*** from their elbow.

That said, I did eventually receive the statements, we're dealing with Michael Crowe.

I've just filed my Moneyclaim (see my thread DH of Mumofthreeboys v the Woolwich).

Good luck.

[yankee_bloke]

i have ome back from sending my first letter to bexleyheath asking for my £624.50 back, so watch this space 14 days from friday and the LBA goes out.

The less they know their ass from their elbow is all the better for us, from other threads i expact this claim to end up in court without the woolwich showing up to defend it!

would be nicer if they just aid up though!

	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

[Mumofthreeboys]

No it wouldn't, you want to be able to add on 8% dont' you???

[yankee_bloke]

The 8% interest add up to £108, and yes it would be nice to get back.

But if i had the choice of £624.50 next week, or £732.50 in another 6-8 weeks time, plus a further outlay of £120 court costs on my part (although i will get this back) i would accept the £624.50.

But in saying that, i will not accept a partial payment, i want all my money back (£624.50)

if it comes to anything less than that it goes to court and the 8% gets added plus costs, so hopefully the back will see this and realise that by paying me my £624.50 they will save themselves a further £228 in interest and court costs.

That would mean paying out roughly 33% MORE than my initial claim! a good banker would see this and cut their losses!

	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.

[Mumofthreeboys]

I think you have too much faith in the bank, but it shows you're a nice person!!!

[yankee_bloke]

maybe i do have too much faith LOL

But the quicker and easier it is for me the better, as long as i get my full payment