Sorry...Thread to this on page 3 can I join them tog.

Copy of my letter below; Data Protection Act disclosure request Dear Madam Customer Ref XXXXXXXXXX Thank you for your recent letter and advice that you have arranged for the outstanding penalty charge of £313.12, to be recredited to my account. I understand from your letter that I am now only able to open a classic account with yourselves, presumably due to the default which you have applied, after taking my account into debit by your penalty charges. I would prefer to keep my existing Open plan current account, and as my debit card has expired, perhaps you could order me a new one. Furthermore, regarding the default notice, if this is not removed from my credit files further action will be taken. Please also supply me with a complete list of transactions and charges relating to my account since it opened in 2003. Alternatively a complete set of bank statements for that period will be acceptable. Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention in relation to my banking business with you. If you are unable to supply data relating to the manual intervention because there has been no such manual intervention then please is kind as to confirm this is your response to this request. You have 40 days in which to comply. Yours faithfully Received this reply 16/03 Customer ref XXXXX Thank you for your letter dated 3 march 2006 and for taking the time and trouble to tell us about your dissatisfaction with our service. We work hard at the Woolwich to deliver a first class service to our customers and we are sorry that you feel let down on this occasion. You can be sure that we will do everything possible to put things right for you now, and so that we improvew our service in the future. We would like to explain what happens next regarding your complaint, received on 07 March 2006. We have taken responsibility for fully investigating the issues you have raised, and we aim to resolve this matter by o4 April 2006. However, before we can process the information you have requested under the Data Protection Act we require the administration fee of £10.00. I would be grateful if you could send us the fee in the stamped addressed envelope. In the meantime, if you have any further information, queries or concerns, please contact us on 0845 0700 360. May we assure you etc... etc... Also contacted Experian, about 10 days ago, online dispute.... they are now in process of contacting the Woolwich..... [/b]

Sent general letter of complaint to Egg, re. charges and default , caused by forcing me over the credit limit. They have refunded one charge, how generous! and given me the usual line....so I have today sent Letter before action, and spreadsheet listing charges + interest. Not a huge sum, £231.00 but the default is the problem. Keep you posted.

Hi B F statements now ordered. In answer to your question, this default has had a severe effect on my life . As I explained earlier, without going into details, long term relationship ended on very bad terms. The stress of trying to sort out my financial affairs has proved relentless. I even started to pay theWoolwich back their charges , monthly. Then it occured to me, what the hell am I doing . That's when I took action initially and lodged a complaint. I was unaware of the default until recently, when I was refused credit. This has been so, so, time consuming at a time when I could have used a bit of help. I now find the same has happened with "Egg", they have refunded me one charge but are refusing to acknowledge the rest, plus removal of default. I will start another thread. So here I go again......should be spending more time on other things just now but so essential to clear my credit file. Although they have not defaulted me, will also be claiming charges back from Capital One, Barclaycard, and storecard, in the near future

No surprise there with all yor doin' they have recredited all recent charges applied, apparantly, must check online banking now. However will not remove the default. Feel sure there will be other charges on the account since it opened. Could persue them for these also, would have to order statements.

Thanx for all information everyone. Sportbeth I pmd you...Still considering what action to take. Think the online dispute with credit ref. agency track???

Thanx for your replies. Will await your advice then B.F. before proceeding with anything further. I did state in original letter that if at any time they wished to settle out of court, would only consider if entry from credit file removed.........

Hi All as you can see reply received. So they have recredited account with remaining penalty . Still dissatisfied with refusal to remove default information from credit files. Also annoyed by the fact that they are suggesting to me that I may open another account with them....They know I will not be able to have debit card facility due to the information they have recorded against me..... Feel I want to go after them now for penalty charges plus any interest lol since account opened. Would have to request statements for this.. Any advice for next stage gratefully accepted.....Most important for me to have them remove credit file entry

Thank you for your letter dated 19 February 2006 concerning charges that have been applied to your account. On reviewing your account I can confirm that all the charges are valid under our Terms and conditions of the Openplan Current Account. However, Whilst I am satisfied that the charges have been correctly applied, I am keen to resolve this matter as amicably as possible. Therefore, I am pleased to advise that I have today arranged for the sum of £313.12 to be reimbursed to your account, as a gesture of goodwill and in full and final settlementof your concerns. I have been advised, by the Debt Management team that your account will be closed shortly. You will not be allowed to open another Openplan Current Account but will still be able to open a Woolwich classic current account. :? With regards to your request to cleanse your credit file I apologise but I am unable to arrange this, as all the charges were all valid. I offer my sincere apologies for my error in my previous letter explaining that as account is joint then joint liability. However I can confirm that this is and has always been a sole account. I hope you feel that I have resolved your complaint satisfactorily........etc etc

Look forward to monitoring your progress. At this stage too

Just to let you know letter posted on 20th, no response yet. Have also now written to egg, similar scenario . ...

Just to let you know letter posted on 20th, no response yet. Have also now written to egg, similar scenario . ...

tnx all .ur advice letter now drafted. Will keep u posted

yes point taken... as they have offered me the £330 I will accept it of course . Would you suggest I use the standard letter ammended and add paragraph re. removing the default. Not sure how to word this stage. Pls advise :?

Hi B F Thanx for reply . They did default me yes, purely because of the charges they added. Also had problems with egg which I will have to try to resolve. The account was always a sole account but most of the Direct Debits for household bills were taken from it. They were in my name as my partner worked abroad most of the time and paid salary into account to cover these. Of course, when we had relationship problems this was not so forthcoming .Consequently D/Ds were returned and heavy charges on account. I did try explaining it to them...however they continued down the default line! This is a time when I need all the help possible, and to close my account and take away facilities is outrageous especially as I know that I wont be able to obtain the same again with the deficit of financial problems my ex has left me. I will take your advice about clearing my name and let you know the outcome. It just amused me that they said they had examined my account and were satisfied all charges were applied correctly and then went on to mention that as it was a joint account..........LOL some examination

Thanx Dave for the advice will be writing to them shortly. As they are saying they will close my account anyway, may go all out and request statements to recover any other charges! I have now opened another account but they are not offering me debit card due to information on credit file..... will let u know how it goes.

Hi need some advice please . Had some difficulties last year....relationship! Direct debits were returned due to this and charges applied to my account. Informed The Woolwich of my circumstances , defaulted account and sent to collection agency. Overdrawn balance of over £700- is all charges. When I got my act together recently phoned them to complain. As a goodwill gesture they offered me aorund £90-. I was not impressed as the account had always been running smoothly until problems occured last year. Had told them all my personal circumstances..... Wrote to them again and they have offered me as a one- off refund £330 . They told me that they were satisfied charges had been applied correctly, and that we were both jointly and severally liable for the remainder of the debt. It is a sole account! They have continued by saying that once the account has been cleared it will be closed, but this does not stop me from opening a classic current account with them. I feel really aggrieved by this as because they have sent information to credit reference agency I will not be able to obtain another account with debit card facilities. Am writing now to request statements since account was opened as I will persue this. I want them to remove the entery at credit ref. agency.. could anyone advise me how to word this, or any other views welcome.