well god luck to you all, remember once you have a contact name you can email themby putting [email protected] - it cuts down snail mail

I did that and they retracted the offer, and told me to contact the ombusman ect ect I decided that I would take what was on offer Over the years when ive had 2 or 3 fines, ive called telephone banking and asked them to spread over a period, as single mother and that - and they said "in this instance we will repay you all 3" so I dare say over the years ive had a fair few bob back anyways, so I was happy to take what they offered and save myself the stress of court.

In 1999 (around Sept if I remember correctly) was anyone given a £1000 over draft by Woolwich without asking for one, or sighning up for one. I am lead to beleive that they just GAVE it to all their current account holders. I ask this as my freind has since been living in hers, and cant seem to recover from this - and says it was like hanging a carrot infront of a donkeys nose for allot of people at that time. I would be interested to hear if everyone got this

Just keep on, I found Clacton the only ones who replied and then once I had a name, I emailed her dailey Put on a sob story too!! I did

I didnt go to court, I didnt even start leagle proceedings Please see my thread called "I got my money back" and it will tell you who I wrote to, and her email address I just put on the sob story of being a single mother, and how thier continued fines, rolled onto the next month - never giving me a chance to recover financially.

On my other thread I told you they had offered £2398 out of the £3196 I tried to meet in the middle with them, and they said no. I had to have a long hard think for a few days, and decided that I would accept their offer. I have my kitchen to finish off and the childrens bedroom to do. I dont feel too out of pocket (for reasons I wot put on here, but lets say I have had the last laugh) SOOOO forget Woolwich Bexley Health, I didnt have any reply - and Barclays London didnt reply at all. Go straight to Woolwich Jackson House Clacton (get it off google) and write to them. If you have a contact, just do thier name [email protected] and you have email contact. My contact to whom I emailed/wrote to was [email protected]

YES me!!!!! I got £2398 back today from them. Without going to court.

sorry mines was £35 too, I meant that but somehow wrte £25!!

I have had my reply today, basically she says after carefull consideration the offer of £2398 stands, and she can not do the full ammount of £3196 (which BTW was without any interests added). She mentions it remains her final offer, then at the end says if you do not wish to accept this offer, and start legle proceedings, it would appear that we are unable to reach an amical resolution... OK so one min she says final offer, now shes mentioning amicability!!! The difference is about £700, I may reply saying OK lets be amicable and split that £700 difference!!

Maybe I should have just accepted the £2383 (or what ever it was) ?? I dont want to end up with nothing. Yes I said that if it wasnt in by friday I would be starting my court claim.

OK update Sent a letter back to the lady who made the offer of £2385, saying I couldnt accept anything less than £3196 which is owed. I mentioned that I could claim interest off them, but said I was willing to accept £3196 as long as its paid into my account friday. I also re typed the acceptance letter she sent me, but put the ammount as £3196 and signed it. I posted it to her, and emailed it to her, and she has confirmed receipt of my email. NOW what do I do if it isnt paid in on friday???

Did anyone else get thier nice little letter today about Barclays taking over woolwich. In thier booklet it says "charges for unpaid dd and standing orders" £15 maximum per account per day (not per item) Has anyone else noticed this.... abit different thn the £25 per item we have been charged for years.

copy in Jackson House Clacton,,,, thats whom I got my offer from today! I didnt get any joy from Bexley Heath or Barclays London!! nothing, not a dickie bird

MMM so really I should have asked them back for more than the ammount and 8% interest, but 25% interest?? MMMMM so they are offering me about £1300 less then?? Shall have to re think, but negotiation is probualy the easiest option - anyone negotiated sucessfully?

Thanks.... I know I must sond thick BUT what s the average un authorised over draft interest amount...... is it about 5????

Hi everyone I need your thoughts OK on 23rd Jan I got my list from woolwich of my bank charges, they cover unpaid direct debits, returned cheques, un authorised over draft, unpaid standing order, and a DC. This totals £3,197.00. I got into a bit of a pickle with the old current account 2001-2003 when I had the twins and thier dad decided he didnt want to be a dad!!! Anyways I replied to Woolwich/Barclays & told them to cough up, and I got the usual letters saying how they would resolve this by 20th April. Well true to thier word, I got a letter today which is offering me £2398.00 They went on about when I opened my account I agreed to thier charges, and got a booklets stating thier charges, and was fully aware of thier charges (which I was, but now know it only costs about £4 max and not the £35 they charge me). Thier exact wording is "despite my comments above in relation to your veiws, on this occation, and without any admission of liability, I am willing to offer you the sum of £2398.00 towards the total ammount you are seeking. This is with the cost and inconveniance inherent in a further dispute in mind, and is intended as a gesture of good will. in full and final settlement of your complaint". Now at 1st I thought WoW as a single working mother (not skint but live hand to mouth), that would pay for a few DIY things around the house (finish the kitchen off and re-turf the garden LOL) !!! But then thats £799 less that they owe me, and also I beleive you can add 8% interest to your claim, so thats a possible £1054.00 less. I really dont know what to do..... Advise from you in the know, and whom have fighted and reclaimed, or been offered and negotiated - appreciated. I thought maybe I should tell them we should meet half way?? thus adding another £500 odd to my return payment??