Delboy against The Woolwich

[Delboy01]

OK Around 15th September, unhappy with the charges on my account I asked for Customer Services to send the complete list of charges on my account.

 

I have included every single charge on the sheet UC RC QC OD DC and Information Commissioner, hopefully I am correct in including everything and that there are not things I should include in my figure, could someone tell me if I am right in doing so?

 

OK the Total Amount of Charges on my account since opened is £xxxx.xx

At the moment I have decided not to go anywhere near claiming the interest on these charges.

 

The letter from Cust Relations says If we do not hear from etc in 8 wks of this letter I will close my complaint file in acc.

 

Do I ring them up and say "hang on with closing the file I am considering claiming back the charges with the help of CAG"

 

Or open a parachute account monday and the send the first letter?

 

Much appreciated for your help in advance

 

Delboy01

[nathal]

stick to the timetable

dpa request

prelim

lba

court

[Delboy01]

Ta Nathal, But my bank charges wernt sent to me as a result of a Data Protection Act request

I rang in to complain and requested a list of all charges. At that moment in time I wasnt going for or aware of the CAG and its procedure...

 

Are you Saying I should forget the letter from the Customer Services but instead go thro the full process??

 

Many Thanks

[nathal]

just start with your prelim with the schedule attached

 

ignore their letter

[Delboy01]

I need to be very sure on TWO points

 

1. I have totalled ALL CHARGES that were Applied since 2002, There are not any charges that I cannot claim for is there?

 

2. I am not going to charge interest on these charges as I find the Spreadsheets a bit scary and so cant be bothered.

 

So my claim:-

 

What I require

I calculate that you have taken £9999.99

I enclose a schedule of the charges which I am claiming with this letter

[Guest Mumofthreeboys]

All charges are reclaimable and the matter of interest is up to you, probably wouldn't amount to much anyway. Go for it.

[Delboy01]

Thankyou Mum:)

 

I shall open a parachute account monday and send the letter off the same day.

[Delboy01]

Ok a little bit later than prev mentioned,,,,,,,,,,

 

Applied for a Nationwide Flex account over the phone .....Declined

 

Today applied for a Nat West Step Account, over the phone and OKd !!!!

 

I asked "have you done all the credit checks?" and she replied yes! just sign forms and send back, as well as take some ID and a bill into a local branch.. Is this the norm? I was expecting more grief.

[e28bigalbexley]

Hi Del

if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.

al.

[Delboy01]

Hi Del

if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.

al.

 

 

Thnx AL, been keeping an eye on your progess over last couple of weeks

 

Does my prim have to be (registered) tho

[MadMat]

I've been sending all my letters recorded, you can then use the royal mail website to get a printout proving the date the letter was delivered. That way theres no chance they can claim a letter was never recieved.

 

Mat

[Delboy01]

OK I have posted the prelim letter to .. Woolwich Customer Contact Centre in Clacton CO15 1WH.

 

I have stopped all monies going into my account as they are due to whack me with failed DD charges. This will Put me over my Overdraft limit. and hence incur £3 a day charges. All DDs have been stopped. How do I deal with the account side pressure I shall no doubt get from them, regarding returning my account below my O/D level.? As I dont really want to go through the default bits and pieces.......

[Guest Mumofthreeboys]

Tell them the account is in dispute, they can't do anything to it whilst it's in dispute, it breaches the Banking Code section 13 para 6.

[Delboy01]

Tell them the account is in dispute, they can't do anything to it whilst it's in dispute, it breaches the Banking Code section 13 para 6.

 

Thankyou MOTB, so, as soon as the prelim letter was sent the account is deemed to be in dispute, is that correct?

[Guest Mumofthreeboys]

That is correct.

[Delboy01]

Just a thought, As I said before the Wool sent me a list of all charges on the account, what I did was add up all the charges and got a total.

Now what might be included in that total are some charges that might have been made and then might have been refunded by the Wool. IE my total is probably incorrect.

 

I dont think it will get to the stage where they would say "your total is incorrect, we refunded you this charge and that charge"

 

What does you all think about this as I value all advice on this forum????

[hagenuk]

I think if you believe, as you clearly state you do, that your total is "probably incorrect" then you should correct it without delay.

 

The Woolwich are owned by Barlclays plc, a hugely successful company that have made money their business.

 

They will notice, make no mistake.

[Guest Mumofthreeboys]

I dont think it will get to the stage where they would say "your total is incorrect, we refunded you this charge and that charge"

 

I think you should make sure your spreadsheet is correct. Any credits to your account for the return of charges should be shown on it.

[Delboy01]

MOTB I dont have "a Spreadsheet" I have the info they sent me,

Titled "charges on accnt no"

 

It details charge type, date incurred , date applied , charge amount, transaction amount, avail balance, and info

 

I totalled up the charge amount column for my total. on these sheets there is no indication of any return of charges.

 

1. So how do I find out which were refunded from the Woolwich,

2. having sent my prelim with "incorrect total" info, what is my plan of action, and in what order should it be.

3. How do I let the woolwich know my claim total may not be correct?

4. How do I get out of this mess, and get back on track.

 

Ta

 

Delboy

[Guest Mumofthreeboys]

I what form did they send you this information?

 

When you sent your letter you should have attached a spreadsheet to it.

[Delboy01]

I what form did they send you this information?

 

When you sent your letter you should have attached a spreadsheet to it.

 

Mum they sent a list on paper with all charges made on my account

With this along the top

 

chrg-- date---- date ---charge --transaction--- avail ------info

type-- incurred--applied- amount- amount ----balance

-----i---------i--------i--------i-----------i------------i-----------

 

UC-- 31/5/06--- 21/6/06- 35.00 --828.13 ------600 ------mort comp

 

 

 

 

 

 

 

etc.

 

I thought the spreadsheet is only for use if you are claiming interest and doesnt go with the prelim?????

 

Help getting confused here:eek:

[Guest Mumofthreeboys]

Right ok, just use the list they've sent you and put the charges into the spreadsheet. Why didn't they send you your statements? Did you send them the SAR letter?

[Delboy01]

Nah Mum, If you look at the first er 5 posts on here, I was sent the list of charges because I was unhappy at how many there were, un connected with an SAR , a couple of posts later I was advised to send the prelim letter plus a schedule of charges... and not send the SAR

 

Why do I need a spreadsheet if I am not claiming on the interest? and which spreadsheet are we talking about have you got the link Mum?.

[Thailand]

Delboy are you saying you just recieved a list of charges of the back of your SAR? If so thats what I got. I then rang the Woolwich and asked them to go through every charge that had been reimbursed and then deducted these amounts.

 

As I've said in your reply PM it doesn't really matter at all at this stage because you haven't filed yet.

 

*Call the Woolwich and ask them to tell you which charges you have had reimbursed.

 

*Ammend your list

 

*Use the link you have to enter the charges into Vampiresses spreadsheet

 

*Send this with your LBA and your back on track

[Thailand]

Didn't realise there was a page 2! If you're not claiming interest then just find out which ones have been reimbursed and ammend for your next letter. You are perfectly entitled to do so though?