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Hmm, a New move?


Ronaldo2k
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Hi Guys,

 

Wondered if someone could Advise on an issue.

 

I am currently dealing with the Woolwich reagarding my account. Its currently at the AQ stage at Harlow CC.

 

Now I am also doing my fathers and sent off the SAR.

Woolwich responded with a letter saying that there were no charges on the account.

 

Surley they cannot do that and still have to send me the statements?

 

Any suggestions??

 

Regards,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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hello,

if i were you i would ask them to prove it by sending the statements, it sounds like they are delaying well at least being advasive.

is it possible tho that there might be no charges?

 

Druids36

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Thanks Ben,

 

I thought that was the case. Really rude and blunt letter which really p*ssed me off to be honest.

 

So should I just send another SAR or is there a Template letter (I think there is a Tplate but just want to confirm:D )

 

Many thanks,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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There is no proof or letter writing required: you have made a request under Data Protection Act, and they are legally obliged to comply with this...nothing else is relevant.

 

If you worded the letter as per the template (which I am sure you did) then by law they MUST provide you with a complete transaction history (or statements in the alternative) plus any other notes and details as are held against the account.

 

The only issue to be considered is one of your authority to manage your father's requests...good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hello,

if i were you i would ask them to prove it by sending the statements, it sounds like they are delaying well at least being advasive.

is it possible tho that there might be no charges?

 

Druids36

 

Hi Druid,

 

Again thats what I was thinking. Just a delay tactic.

I have had that with CitiFinance sending me just one A4 sheet with No charges. Will be dealing with them later.

 

 

My Father is 99.9% sure there were charges incurred on the account, and I am inclined to agree as I remember him mentioning it some time ago.

 

Should I use a Template Letter, a new one from Scratch or an SAR again?

 

 

regards,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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There is no proof or letter writing required: you have made a request under Data Protection Act, and they are legally obliged to comply with this...nothing else is relevant.

 

If you worded the letter as per the template (which I am sure you did) then by law they MUST provide you with a complete transaction history (or statements in the alternative) plus any other notes and details as are held against the account.

 

The only issue to be considered is one of your authority to manage your father's requests...good luck.

 

Phoenix,

 

 

Letter as per template word for word.

As I am only communicating by post (As advised on here :D ) I am having no issue with ID.

 

To proceed from here do I need to make Verbal contact or can I contact by post demanding ALL statements and information?

 

regards,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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I would simply wait until they have seven days left to comply with SAR, then write them a note reminding them of this fact...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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So something along the lines of,

 

"regarding your response dated xx/xx/xx, I have as yet, not recived any Account correspondance relating to Account history or statements.

 

As I am sure you are fully aware, you have 7 days to supply me with all the requested information by law.

 

If such information is not recived within this time period, further action will ensue. "

 

Suggestions or comments welcome :D

 

Cheers,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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That is pretty much it - you have told them that they have not yet complied, and that they have seven more days in which to do so...that letter would be ideal.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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That is pretty much it - you have told them that they have not yet complied, and that they have seven more days in which to do so...that letter would be ideal.

 

Many thanks Phoenix,

 

 

What would be the next move if they did not respond within the 7 day period?

 

 

regards,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

Link to post
Share on other sites

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Many thanks once again.

 

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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