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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Just Joe vs. the Woolwich


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I'm with the Woolwich... or is it all Barclays now?

 

I have been a long time customer with the Woolwich for well over 20 years.

 

Unfortunately, our relationship broke down over the past few years when I found out she was sleeping with another bank... damn that Barclays...:-|

 

On a serious note though, I have been with them for a long time but was getting really frustrated with the service (or lack there of) and had a number of issue with charges they had issued me because they held on to my paychecks a couple of days longer to benefit from the extra interest.

 

Although I recently moved banks, I still have the Woolwich accounts open and after reading on this site and on the Martin Lewis one, I've sent a letter for information of charges under the terms of the DPA.

 

Hopefully, I should have read most of the information on this site a couple of times by the time they send me the information, so I can make an informed decision.

 

Then I can move on and forget this unsatisfying relationship. I'll even tear up the photo of my branch that I look at longingly from time to time. :p

Round 1 - Subject Access Request

21/2/07 Sent the SAR, which I had to make a few changes to, because I don't like standard letters. Says exactly the same thing just more in keeping with the way I write letters... look, I'm fussy like that OK? Be thankful you don't have to live with me... :mad:

Deadline: 3/4/07 - Approx. 40 Days

23/2/07 Received a standard letter today, thanking me for taking the time to tell them about my dissatisfaction, which is odd as my letter said nothing of the sort. Maybe it's just me but I'm starting to get the feeling that this isn't the first time they've had to deal with a customer wanting to reclaim unfair bank charges? ;-) Anyway, they aim to deal with my "complaint" by the 23rd of March... which is nice...

The letter was "signed" by Michele Wallis, who is a female Jazz singer, and a very good looking one at that. I never knew she also worked for the Woolwich. Where does she find the time?

I think she secretly likes me though, as she's returned my £10 cheque. Maybe I should ring her up and ask her out on a date? :p

Their Aim: 23/3/07

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Hi Joe

 

They usually return the SAR cheque, so thats a bonus.

 

As long as your subject access request was made under the data protection and you included the fee (which obviously you did) its all OK.

 

They often write back telling you of a random date they'll reply by.

 

Stick to the step-by-steps and you can't go wrong.

 

Good Luck

for FAQs & Step By Step

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  • 2 weeks later...

22/3/07 Received a letter today from the Woolwich. :o

 

Firstly, I'm impressed that they actually replied within their own deadline, and secondly I'm surprised that they provided me a breakdown of my charges instead of sending me six years worth of statements for me to plough through.

 

I suppose they have started to see that people are going to claim whether they make it difficult or not so they might as well save on the postage and just send out a statement with charges only.

 

I'm just transferring the data to Excel so that I can work with it, but I have one question which I'd ask someone to please answer.

 

QUESTION: I noted from the FAQ's that an "agreed overdraft fee" cannot be claimed back, but what is an "agreed overdraft fee"? The Woolwich have a code OD which is an "Unauthorised Daily Overdraft Fee", is this the same thing? :confused:

They come out of the account at the same time each month for different amounts, anything between £6 and £60 on my statement. Are these actually reclaimable "Total Charges"?

 

Any help would be appreciated...

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Hi Joe,

 

im also taking on the woolwich and have recieved the same schedule of charges instead of statements like you.

 

the OD charge is reclaimable as its the fee they charge you when you have gone over your overdraft without authorisation and to add insult to injury they charge you daily for being over the limit so the amount soon racks up

 

 

should you need any help just post a message on here and someone will help you out

 

 

regards

 

 

paul

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Hi Joe

 

Ah, Michele has many penpals including me; she wrote my [your/everyone's] "dissatisfaction letter on 2nd March which is odd really because Andrew Miskell from Barclay Knutsford also wrote me a letter dated the same. How wonderfully efficient that she wrote to me and got my letter passed on all in one day.

 

You're a little ahead of me as Barclays are aiming to resolve me by 30th March (my 40 day deadline is 4th April) so I hold out hope that next week I can hear my jaw drop when the list of charges is sent :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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  • 1 month later...

Thank you for replying...

OK, I kind of hit a slight hitch in the process... and oddly the delay is my end and not theirs... must be a first...

Anyway I sent off my Prelim Letter about the beginning of April demanding just over £1300.

I then got the standard... "We're sorry your not happy" blah blah "we take complaints very seriously" blah blah "we'll respond in our own time" blah blah blah blah blah blah... you all know the one...

I then sent the LBA off mid April. If it sounds like I don't really know when they were sent it's because I lost my files when my HDD on my old PC failed, although I have sent it off to get the data recovered so I should get them back soon hopefully. Date wise I can back the dates up with the postage receipts.

Anyway, I've ended up delaying sending my Small Claims documents to the Court, because of the PC, but about two days after I was supposed to send it I had a reply from Woolwich offering me just shy of £1000.00 as a "courtesy"... Now if I ask "Should I accept it?" you're going to say "No! Nail 'em to the wall!" or something similar... but what I would like some advice on is;

1. The letter said "full and final settlement", however as I haven't submitted a claim to the courts yet, should I give the Woolwich a second opportunity to settle in full? Would this not look better in a small claims court?

2. I've also recently been put on a long case for jury duty, which will probably last till the end of August, so should I forward the claim to the courts anyway, and then put the date off till I'm released from service?

3. Will I have problems because of the delay I've caused?

Thanks in advance...

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