paddym v woolwich

[paddym]

I have just sent SAR - (Subject Access Request) of to woolwich today fingers crossed it doesnt take me too long

thanks

paddy

[CrikeyMick]

Congrats! I hope it's quick for you too.

[closey]

Woolwich can be slow, so it might be worth just calling them soon to politly remind them that the clock is ticking.

[paddym]

(Just to update you all ) ok folks the balls started rolling and the clocks ticking as im in Northern Ireland i was unsure where to send my letter so chose to send it to the data exceptions unit in watling street bexleyheath which i had got from a credit report i had done for me.well today 6th july 06 i recieved a lovely letter from a lady wendy sayers and signed personally explaining basically that the data exceptions team could not assist me and explaining to me that they have forwarded my request and my cheque for £10 to Barclays Data Protection ,1st Foor,Block 12.Radroke Hall,Nutsford,Chesire WA16 9EU So it only took them 1 day to reply to my recorded delivery lets hope theyre as quick getting my list of charges out to me fingers crossed. Thanks for the replies they are all very welcome.

 

Paddy

[closey]

Good work. Sounds like you have it all under control.

[paddym]

Letter arrived today 8th July from barclays data protection refering to my letter of 4th July . just to let me know a schedule of charges is in course of preparation and will be sent to me shortly by the woolwich. As the bank is providing this information on a complimentry basis your cheque for £10.00 is returned herewith. usual summary of manual intervention not covered by Data Protection Act and signed by ???? yes you got Mr Peter Townsend so standard letter that you all have received ! Just a pity they couldnt return my money on a complimentry basis as well !!!!

Paddy

[paddym]

hi all sorry i havent been on in a while but i moved house 21st july and have just got my broadband connected anyway to update you all i recieved my list of charges from woolwich dated 27th july they have charged me £1148.50 on one account but in my sar i asked for current account and mortgage account details only the current account has come through has anyone any advice as to my next course of action?????

Paddy

[closey]

Hi Paddy,

 

They are still within their 40 days, however my betting is that it has been over looked. I would remind them either by phone or letter that the clock is ticking.

[paddym]

Thanks closey i think ill drop them a line or two keep everything in paper incase of any comeback ive the copies then thanks again will be in touch again im sure lol !

paddy

[closey]

Good work! I look forward to hearning of your progress.

[paddym]

well everyone im stuck dont know what i should be requesting back i have received just 1 a4 sheet from woolwich detailing my charges which consist of £27.50 charges £30.00 charges and interest charges. I DONT KNOW IF THEYRE TRYING TO FOB ME OFF it doesnt look like the complete list of transaction which i asked for just the charges can anyone advise me the a4 sheet looks like this.

chrg date date charge txn avail od info

type incurred applied amount amount bal

 

od 31/05/05 21/06/05 18.00 2082.06- 1660

od 30/04/05 24/05/05 69.00 1672.58- 1981

od 31/03/05 21/04/05 51.00 1600.08- 1981

od 28/02/05 21/03/05 63.00 1214.10- 2285

od 31/01/05 21/02/05 93.00 528.52- 2858

od 31/12/04 21/01/05 75.00 434.66- 2858

od 30/06/04 21/07/05 3.00 1091.32- 3591

od 31/12/03 22/01/04 51.00 197.34 3236

od 29/11/03 22/12/03 90.00 118.81- 2816

od 31/10/03 21/11/03 30.00 75.35- 2816

od 30/09/03 21/10/03 33.00 30.48- 2816

od 30/08/03 22/09/03 42.00 67.12- 2216

od 30/04/03 22/05/03 21.00 440.58 2263

od 31/03/03 23/04/03 42.00 143.94- 1598

uc 12/03/03 02/04/03 30.00 188.24 106.34- 1598

uc 07/03/03 28/03/03 30.00 188.24 106.34- 1598

uc 12/02/03 05/03/03 30.00 188.24 37.55- 1598

rc 07/02/03 28/02/03 30.00 188.24 37.55- 1598

qc 27/11/02 18/12/02 30.00 83.00 qc 19/11/02 10/12/02 30.00 69.32 89.19- 1301

qc 18/11/02 09/12/02 30.00 36.24 51.95- 1301

uc 13/11/02 04/12/02 30.00 78.00 26.05 1301

uc 12/11/02 03/12/02 30.00 188.24 26.05 1301

qc 07/11/02 28/11/02 30.00 188.24 26.05 1301

uc 09/10/02 30/10/02 30.00 85.00 67.46 1301

uc 12/08/02 03/09/02 27.50 188.24 25.89- 205 uc 07/08/02 29/08/02 27.50 188.24 25.89- 205

uc 08/07/02 29/07/02 27.50 188.24 .72 205

uc 07/05/02 28/05/02 27.50 188.24 8.05 205

rc 18/02/02 11/03/02 27.50 435.89

 

rc = returned cheque

uc = unpaid dd

od = unauthorised daily overdraft fee

qc = gaurenteed cheque charge

 

i know its a bit much to ask but im really in a pickle ive looked at this for ages and cant decide what charges i claim for on the spreadsheet and dont really understand if i should include the unauthorised daily overdraft fee as a charge or interest advice great received thanks in advance !

paddy

[paddym]

well everyone im stuck dont know what i should be requesting back i have received just 1 a4 sheet from woolwich detailing my charges which consist of £27.50 charges £30.00 charges and interest charges. I DONT KNOW IF THEYRE TRYING TO FOB ME OFF it doesnt look like the complete list of transaction which i asked for just the charges can anyone advise me the a4 sheet looks like this.

chrg date date charge txn avail od info

type incurred applied amount amount bal

 

od 31/05/05 21/06/05 18.00 2082.06- 1660

od 30/04/05 24/05/05 69.00 1672.58- 1981

od 31/03/05 21/04/05 51.00 1600.08- 1981

od 28/02/05 21/03/05 63.00 1214.10- 2285

od 31/01/05 21/02/05 93.00 528.52- 2858

od 31/12/04 21/01/05 75.00 434.66- 2858

od 30/06/04 21/07/05 3.00 1091.32- 3591

od 31/12/03 22/01/04 51.00 197.34 3236

od 29/11/03 22/12/03 90.00 118.81- 2816

od 31/10/03 21/11/03 30.00 75.35- 2816

od 30/09/03 21/10/03 33.00 30.48- 2816

od 30/08/03 22/09/03 42.00 67.12- 2216

od 30/04/03 22/05/03 21.00 440.58 2263

od 31/03/03 23/04/03 42.00 143.94- 1598

uc 12/03/03 02/04/03 30.00 188.24 106.34- 1598

uc 07/03/03 28/03/03 30.00 188.24 106.34- 1598

uc 12/02/03 05/03/03 30.00 188.24 37.55- 1598

rc 07/02/03 28/02/03 30.00 188.24 37.55- 1598

qc 27/11/02 18/12/02 30.00 83.00 qc 19/11/02 10/12/02 30.00 69.32 89.19- 1301

qc 18/11/02 09/12/02 30.00 36.24 51.95-

uc 13/11/02 04/12/02 30.00 78.00 26.05

uc 12/11/02 03/12/02 30.00 188.24 26.05

qc 07/11/02 28/11/02 30.00 188.24 26.05

uc 09/10/02 30/10/02 30.00 85.00 67.46

uc 12/08/02 03/09/02 27.50 188.24 25.89- uc 07/08/02 29/08/02 27.50 188.24 25.89-

uc 08/07/02 29/07/02 27.50 188.24 .72

uc 07/05/02 28/05/02 27.50 188.24 8.05

rc 18/02/02 11/03/02 27.50 435.89

 

rc = returned cheque

uc = unpaid dd

od = unauthorised daily overdraft fee

qc = gaurenteed cheque charge

 

i know its a bit much to ask but im really in a pickle ive looked at this for ages and cant decide what charges i claim for on the spreadsheet and dont really understand if i should include the unauthorised daily overdraft fee as a charge or interest advice great received thanks in advance !

paddy

[Thailand]

You can claim for all the above charges. If you think they have missed some off you can ask them for all the statements. Paddy have you ever been reimbursed for any charges over the phone? If you have it may be worth calling them and asking which ones as they still would have included them on the above list. (I.e making you claim back too much causing a few more obstacles later)

[paddym]

thanks thailand was just unsure and didnt want to fill out the spreadsheet as you say claiming too much and then putting my claim back as regards to refunds ive never had a refund off the woolwich but hey pretty soon ill be having them all back hopefully thanks for the reply much appreciated !

paddym

[paddym]

just to update you all have sent my preliminary approach for repayment of my charges today 24th august 2006

paddym

[paddym]

just recieved a letter from woolwich thank you for taking the time to tell us of dissatifaction blah blah blah blah will respond by 18 th sept ????? dont think so lba due to be sent 7 sept so woolwich heres lookin at you kid !!!!!!

[Thailand]

Too right the Padster! I had the same letter - those same bog standard responses just help us to help each other to know whats around the corner. I predict you wont get a response until late LBA or MCOL

[paddym]

ok folks 7 th september arrived headed for post office 1st in the door .posted my LBA registered post to those kind people in the woolwich in jackson road clacton on sea. wonder how long ill have to wait to get a reply from this 1???? any thoughts peeps as to how long ???? maybe we should get a book going ha ha ha good luck everyone!

paddy

[Thailand]

Since they 'should' be getting back to you by the 18th September they might comment off the back of your LBA too errrrrmm let me guess Thankyou blah, here's a pathetic offer blah oh and blah blah blah! (i didn't get an offer because I told them not to bother LOL)

[paddym]

thailand ?????? think you wrote this thread before you opened your mail this morning lol .you know we are dealing with a company who dont take seriously what we are writing until we issue proceeding i think theyre a bunch of chancers .

[Thailand]

Agreed, and yes mail came after that post LOL! I prefer W*!kers to chancers

[paddym]

well i was being PC lol

[paddym]

I have been a little bit preoccupied with other matters going on around me and having recently moved house my post has either been lost or really bloody slow coming through to me anyway ive let the woolwich off the hook a bit took my eye off the ball should have filed my claim 21 st sept but one thing and another i havent done it YET ! However received a letter this morning from barclays head office usual bumf i.e. sorry to learn that i feel my charges are unfair blah blah blah you were provided with t&cs when you opened account despite my comments and as a gesture of goodwill and without accepting liability we are willing to offer you £550 towards the total amount you seeking. (50% that is ) this is with cost and inconvenience inherent in further dispute and in full and final settlement of your complaint.sign enclosed letter put in pre paid envelope and we will credit your account within 7 days. if i wish to discuss this letter or feel there are further issues please contact me on 020 7116 4561 or freephone 0800 282 390 or go to financial ombudsman service .

so today i am going to write them a nice little letter advising them i will accept their offer of £550 as partial payment towards my full claim of £1148.50 and persue them for remainder through my local county court and of course ill put it in their pre paid addressed envelope ! lol

[Thailand]

of course ill put it in their pre paid addressed envelope ! lol

 

And why not! it'd be rude not to. Go get 'em the Padster:D

[paddym]

had a rethink incase they said they didnt receive my letter (as if they would) so posted off 1st class registered this afternoon !