help in a panic

[poorlor]

hi there im a newbie and have just started looking into reclaiming my bank charges, I was wondering how sucessesful people have been, and is it really more stressful than its worth?? especially talk about courts ect, brings me out in a cold sweat.brrrrrrrrr. By the way I am with the WOOLWICH, which from May will be part of Barcalays anyone had dealings with the woolwich ?

[happyolddog]

hi, poorlor,

Start by reading other peoples threads in here,

http://www.consumeractiongroup.co.uk/forum/woolwich/

 

Then start your own.Also visit live chat room for any instant advice.

[livelylad]

Of course its worth it!! they have taken your money unlawfully. also the help and assistance you require is on this site. Spend some time reading the FAQS and step by step instructions. As happy says start a thread then post your questions there.

[poorlor]

Hi I am new to this site, I have just sent off my £10 and letter to woolwich for my records, fingers x, and I must say find all the info on here from you all very helpful

[marley2009]

well done and good luck keep us up to date

 

amanda

[poorlor]

Thankyou, I am going to read all material available and go for it

[poorlor]

Hi there I sent a letter to the woolwich last week requesting my bank statements, today in the post the woolwich have returned my £10 cheque, with no explanation of why the cheque has been returned. Also included was a letter stating that they are looking into my complaint and aim to resolve the matter by the 23rd March etc,etc.......... , no mention of my statements. Can anyone tell me if this is a standard letter that gets sent out to all their customers, when they have requested their statements ? thankyou

[poorlor]

Hi there I sent a letter to the woolwich last week requesting my bank statements, today in the post the woolwich have returned my £10 cheque, with no explanation of why the cheque has been returned. Also included was a letter stating that they are looking into my complaint and aim to resolve the matter by the 23rd March etc,etc.......... , no mention of my statements. Can anyone tell me if this is a standard letter that gets sent out to all their customers, when they have requested their statements ? thankyou

[ladybird17]

Did you send the template SAR letter from this site?

[marley2009]

in other words they know exactly what u are after and will probably send u a list of all bank charges, i would call them and say what u playing at i ask for statements when do i expect to get them

 

amanda

[ladybird17]

Please bear in mind, that if you have sent a SAR, they are not obligated to send you statements. They are obligated to send you details of transactions & charges - now these are very usually sent out in the form of copy statements - but they don't HAVE to be. They can be in the form of a list or a schedule. The SAR letter allows for this, which is why I asked if you had sent the SAR from this site.

[marley2009]

they sent me the same letter, u should receive a list of ur bank charges soon, i sent mine on the 29th jan and recieved that letter back on the2nd feb and only last week 21st feb did i recieve a list of charges no statements or copies. then i sent the prelim on the 22nd feb and recieved a letter of an offer on the 26th so they are moving really quick

 

dont worry give them the 40 days from when u sent SAR they will get back to u with that list

 

amanda

[poorlor]

no I got the letterI sent from

Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more,

 

and then found this site after, which I find more helpful and much more informative, does it make a difference? do I need to contact the Woolwich again ??????? Im confused already:confused: help

[poorlor]

sor:| ry dont know what happened there. I got the letter from

MoneySavingExpert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more

[richthegill]

Don't worry. Woolwich & Barclays don't charge for SARs and the letter you received is the standard letter. You will get sent a list of your charges, and it should be within the 40 days.

 

Exactly the same happened to me.

I sent my SAR on the 25th of January and recieved my charges on the 13th of febuary.

[ladybird17]

ah well, there's your answer then. We can assume from now on then that every bank treats every request and every claim in exactly the same way.

[richthegill]

Really it's just an acknowledgment of the request and the date it would be dealt by is if it didn't have a time limit.

 

Also you won't get your statements. You will only get a list of all the charges accrued, date they were incurred and the date they were applied,

[poorlor]

Great, thankyou all for your advice

[poorlor]

Hi there I was wondering if some one could tell me why they are not using the services of the financial ombudsman, Rather than going through the courts???????? from what Ive read they will deal with your case free of charge, once you have applied to the banks for monies to be returned, and they do not comply, to me it sounds much easier than dealing with courts and the paperwork that goes with it. Am I missing the point or are using the services of the FO not as straight forward as it seems?. dont get me wrong Im not knocking this site in any way, but Im really worried bout filling in court forms if it gets that far, and thought if the FO could do it for me that would be the way to go. Would appreciate advice on this subject. thanx:???:

[welshcakes]

Regards the list of all charges that we can all expect - will the list itemise whether the charge is returned DD, returned cheques etc? Surely we need the charges broken down in order to complete the itemised Schedule of Charges?

[marley2009]

mine came as spreadhseet form, stating what the charge was, when taken etc, so no they did it all for u hun

amanda

[welshcakes]

Cheers amanda, banks giving info in a straight forward format ... wow!

[poorlor]

Hi I sent my prelim letter to the Woolwich recieved a standard reply "sorry you are not happy, we'll get back to you sometime ......." then sent LBA 14th April, recieved letter today to say "sorry you are not happy, we'll get back to you by the 17th May, so consequently i've taken that as they are totally going to ignore my claim, as the 14 days are up on the 28th April. Im having nightmares about taking them to court and filling in the paperwork etc I guess thats what the woolwich are hoping for. I really do want to see it through but I am beginning to panic can anyone help put my mind at rest in anyway:? :? :? Keep looking at F&Q and getting more confused

[twisted-pixel]

DO NOT PANIC!!!

 

this is what the banks are hoping for

 

This site has hundreds of people to support you, and the more you read through other peoples stories the more confidence you will gain and the more you will understand of what the process involves.

 

It's a step by step process and each step is simple if you follw the advice given by people here.

 

Just take a deep breath, grab a cold beer in the garden and relax. then have a read through the threads on here and see how simple it really is.

[PPMAN159]

Agree entirely with Pixel-there is no need to panic.

 

More and more banks are sending out these standard go away letters in the hope that people will either forget about the claim or fail to see it through.

 

Luckily you have joined CAG and this site is here to hold your hand and guide you through the steps that you need to take in order to get your money back.

 

If at any stage you get stuck just ask and someone will be only too happy to help.

 

Good luck