Delboy against The Woolwich

[paddym]

del you need to do a SAR AND PAY £10.00 THAT WAY YOU HAVE IT ALL IN FRONT OF YOU ! READ THE FAQ AND THATLL GUIDE YOU THROUGH ITS A LONG PROCESS TAKING THE WOOLWICH ON DONT TAKE ANY SHORT CUTTS WE HAVE ALL GONE THROUGH IT AND OTHERS BEFORE US YOU BEST FOLLOWING THE PROCEDURES OTHERS HAVE DONE THAT WAY ANY PROBLEMS ARISE THERE ARE PEOPLE HERE WHO CAN ADVISE YOU

[Delboy01]

who was that last message for Paddy?

[paddym]

delboy2206 ! getting very confusing this delboy melarky ! lol

[Delboy01]

ON TV TONIGHT!!!!!

 

BBC NEWS | Business | Are penalty charges bank robbery?

[paddym]

Yes it is indeed on tv tonight but they arent going to tell us anything we arent already aware of.

[Delboy01]

true just hope I doesnt spur the banks to make a stand

[Thailand]

Check out the first para of post 5 HERE. Thats Banks for you. They could start by telling the truth, and gaining some morality - and stop extracting food from the underprivileged in any way shape or form to rake in thier obese profits. Make a stand against what? Justice? Morality? or something ruthless to keep the fatcats happy.

[Delboy01]

1 st letter recieved.....Woolwich have "investigated my request for a list of refunds against charges made "" "and advise any refunds will be on your statements, if you require the last six years statements there is a fee of £10" Blah de Blah!! with the LBA due tommorow, should I send a SAR letter and a £10 postal order, hold on the LBA till 6 months of statements arrive (need to check if LBA requires amount claimed)

 

or send LBA and ensure figure on MCOL is correct having recieved statements by then and deducted charges refunded, and then added rececent charges onto figure (about 240 pounds at the mo)??

 

2 nd letter received "thanks for bringing matter to our attention" " in view of the complex nature etc..... sent to Barclays...........E14 5HP

[paddym]

i already advised you to do a SAR THAT WAY YOU CAN BE CERTAIN YOUR CLAIMING EVERYTHING DUE TO YOU !

[Delboy01]

and hold LBA???

 

PS dont shout!! I get frightened

[paddym]

yes my friend hold off with your LBA as you dont really know what your claiming !

[Delboy01]

OK I have now recieved their aknowledgement to my SAR

 

Also recieved an Immediate Action Required letter from the Woolwich "account balance outside of any agreement with the Woolwich"

 

"return to its authorised limit within 5 days"

 

"whilst account is in breach of agreement you will be charged interest AND a daily fee of £3 for each day, until such time an offer of repayment from you is accepted"

 

All of the figure that I am over my O / D by is wholly made up of Interest, Unpaid DD Charges and a Forced cheque charge.

 

Can I get them to put a hold on my account to stop any further charges on this account?

 

"

[e28bigalbexley]

Try not to worry Delboy you can claim them back as well. I take it the overlimit charge has come about due to their penalties.Have you opened a parachute account yet?

Al;)

[Delboy01]

Yep the charges have taken it over nothing else and I will claim them back as long as it doesnt take me over the £5000 small claims limit I am at well over £4000 at the moment.

 

Have you in your readings seen anything about getting the Wool to suspend the account and further charges whilst I take them to court ??

 

And yes I have a parachute account.

[e28bigalbexley]

As to woolwich suspending the account i have read, nothing!

I think if they can suspend your account if you ask but they will notify the CRA's and you will get a nasty little black mark on your file.

you could write to them and explain as you consider the account to now be in dispute in relation to their charges could they suspend any further action on the account they will probably sent back ' please find enclosed a copy of or T&C's that you agreeded to abide to when you opened the account.

The only other thing to do is pay off enough to keep below the level where they start apply charges.

And dont worry to much about going over £5000 till you get all your statements and you have a firm figure and then we can help formulate your next move.

 

AL;)

[Delboy01]

OK I have received a list of charges (not Statements) against my account, (same as before, but now more up to date ). Nothing received about which charges were subsequently refunded which Is what I wanted so my figures would be correct for LBA. Do I have to send A letter to The Woolys to obtain this figure or what? The SAR doesnt ask them to detail this?

 

Please refresh my memory as to what I can and cant claim back?

 

Returned Cheque

Unpaid DD

Unpaid Standing order

Unauthorised Daily overdraft fee

Guaranteed Cheque Charge

Debit Card Transaction

 

Comments and Suggestions Well Welcome People

 

Oh and BTW Rang them re being over my overdraft , they have suspended the £3 Daily charge for 2 weeks to give me a chance to ring the CAB and then discuss repayment of my overmeoverdraft sum

[clairec]

Hi Delboy take a look at my thread- Action at last! I'm having the same problem as you and have recieved lots of advice. Put it in writing to them that you request details of returned charges and they have not included these details. As part of your SAR this info should have been included land let them know that. Hope this helps! Clairec

[Delboy01]

Hi Caire thnx for posting on my thread ( Maybe an adjustment to the S.A.R - (Subject Access Request) letter may be in order), Could part of their stalling plan. I think I shall do the information commissioner and letter to woolys at the same time re refunds and telling them I am writing to the Commissioner

[e28bigalbexley]

Delboy send off your LBA and a letter to the Information Commissioner.

You have given the Woolwich enough time to supply what you want. IF and thats a big if, it gets to court, let the woolwich explain to the judge why they failed to supply you with the data you need to complete your claim.

 

AL:)

[Delboy01]

Al good to know you r still keeping an eye on my thread .. much appreciated

 

can I send off my lba without knowin what my final claim will be, or can I send an LBA " with the proviso that the total figure is X minus the refunds that the woolys have yet to notify me of? "

[e28bigalbexley]

If you have a figure put that in your LBA, also put in the letter that when your statements arrive if there are more charges to add these will be added when filing at court and you will send them an amended shedule.

AL:)

[clairec]

I think your right an adjustment on the SAR template may be in order just to stop those weasels getting away with delaying our claims! I'll keep an eye on your thread with interest since we're both in the same boat, good luck mate. CC

[Delboy01]

Can anyone confirm I can claim ALL charges?? post66

 

Ta

[Delboy01]

Hmmn going thro the NEW Schedule of charges they have sent me, they have kindly totalled up my charges for me. The total doesnt compare favourably to the first schedule of charges they sent me even tho its a more up to date schedule.......... I have noticed on the new schedule that there arnt any ICcharges on there.. strange, why have they not included those, those are for interest charged arnt they.. perhaps not included deliberately???

 

Oh and why isnt my signature showing ??? (but is on post 66)

[e28bigalbexley]

Can anyone confirm I can claim ALL charges?? post66

 

Ta

 

Del you cant claim Guareteed Cheque Charge

Debit Card Transaction

 

AL the others fine

 

AL:)