dicky6 vs woolwich

[dicky6]

hi all, ive at last resorted to the county court to retreve my bank charges,

claim issued on the 19th october 2006.

sent by post on the 19th october 2006

deemed to be served on the 24th october 2006

defendant has untill the 7th november to reply

court case number 6QZ75015

NORTHAMPTON COUNTY COURT.

 

wil keep you posted on the outcome.

 

p.s. my brother issued a cc order to nationwide,a few days later he

recieved a letter disputing the claim, then on the same day, paid in full (£5000) plus over a £1000 compensation etc. this is what prompted me into me issuing my cc claim.

 

thanks to all that work on this site.

[sparklydayz]

Good luck. The Woolwich don`t give in as gracefully as the NW but you`ll get there in the end.

[paddym]

Good luck Dicky we are all in the same boat !

[austenpowers]

Good luck dicky. As has already been said nationwide are easy meat in comparison to woolwich, but you'll get your money in the end. Be prepared for the long haul though and then you will be fine.

[dicky6]

hi all,

 

sorry that ive been so long in keeping things up to date on this thread,

 

xxth november i recieved a letter from the court stating that (the woolwich) barclays bank dispute the full amount and are contesting the claim. i was expecting this (as in a lot of cases). still another few weeks to go.

 

17th november, i recieved a letter this morning from barclays, excitement!!!!!!! was this a letter stating that all my bank charges have been rightfully returned???? NO.

IT IS A TERMINATION NOTICE TO CLOSE BY BANK ACCOUNT DOWN WITHIN 14 DAYS FROM THE DATE ON THE LETTER(16TH NOVEMBER).

THE LETTER STATES THAT I CAN NO LONGER USE MY CARD ETC AND TO RETURN IT STRAIGHT AWAY. DAILY INTEREST AND CHARGES WILL CONTINUE TO ACCRUE AT THE RATE OF 27.5% AGAINST THE BALLANCE IN EXCESS

OF AGREED OVERDRAFT LIMIT, AND 15.6%AGAINST THE BALANCE . INTEREST IS CALCULATED ON A DAILY BASIS. ALSO YOU ARE REMINDED THAT THERE IS ALSO A CHARGE OF £3.00 LEVIED FOR EACH DAY YOUR ACCOUNT HAS AN UNAUTHORISED OVERDRAFT BALANCE.

 

THE OVERDRAFT IS ON MY ACCOUNT DUE TO THE BANK CHARGES ACCRUED IN THE LAST 3 MONTHS, WHICH WAS £99.00 AND HAS NOW ESCALATED TO £399.84.

 

SHOULD I PHONE THEM??????? AS THE LETTER IS FROM THE WOOLWICH , AND IM SURE THAT THEY DONT KNOW ABOUT THE COUNTY COURT PROCEEDINGS??. WHATS THE BEST OBJECTIVE TO TAKE ????

THANKS DICKY6.

[Thailand]

WHAT! Firstly this is the first time I've heard of this, secondly they need to give you 30 days under the Banking code and thirdly, as you rightly point out, they can action none of this whilst your claim is in dispute. I think I saw an ideal letter for this the other day - i'll see if I can find.

 

Don't worry - they won't get away with this - it could be that the Woolwich and Barclays still don't know whose doing what.

[dicky6]

thanks thailand,

the termination notice is issued in accordance with sections 76(1) and 98(1) of the consumer credit act 1974,

thanks, dicky6.

[Thailand]

I'm still looking for you - I've not done much reading on this area hence I'm not too sure.

 

Be having a read of this thread its relevant ( and a top thread) in the meantime Freebird ***Soaring above the clouds***

[Thailand]

I really don't think they can do this whilst it is in dispute. This is only what I'd do, but maybe write to them explaining this, and maybe add a small repayment plan (like in freebirds thread) in the mean time until you get the lot back.

 

Have you opened a parachute account yet?

[dicky6]

hi thailand, yes i have, i opened one a few months ago.

i will write to them offering a payment plan ,see what happens

thanks ,dicky6

[dicky6]

back again,

took your advice thailand and (i phoned rather than send a letter),and spoke to the sender of the letter i recieved about my account being closed,

( mr akib ahmed.) i put forward to him a weekly payment plan, and the amount was reduced by £52.11, straight away, so a result in there, and the account will stay open .i will of course ask for all charges relating to this to be returned. by the way he had no idea of any court order presented to the woolwich, and there was nothing on my records to state this????????

well back to work, keep you all posted soon,

thanks dicky6.

[Thailand]

Great stuff. I'm not surprised he did'nt know, the Woolwich probably washed thier hands of it when it was esculated to Barclays.