Helping an old bloke

[paddym]

Just one small point thats puzzling me have you actually sent the woolwich a sar and the £10.00 fee for this information ????

[SPK]

Hi Paddy, yes m8 thats was done first of all.

 

Al, the old fella came into work today with all his statements so im one step ahead now m8 thanks...

 

Regards

SPK

[e28bigalbexley]

Hi Clint

thats ok just plod on add the charges up and you will get the guys money back.

[paddym]

spreadsheets are in the templates clint itll add the interest on once you have issued proceedings aginst the woolwich !

[SPK]

Thanks Al and Paddy, im one statement short still but have given them till the 12th like you said Al, so im just waiting now :O)

SPK

[paddym]

no panic you have the situation under control although i would make sure they are aware of the fact that 1 statement is missing !

[SPK]

Hi Paddy, they sent one A4 sheet with the charges for one year only m8, i have writen to them telling, no reminding them they have till the 12th to comply.

The statements i have from the ole fella are ones he had but one is missing.

Regards

Clint

[paddym]

Clint if the charges came from the data exceptions team led by peter townsend it may be worth ringing him thats all i got at the start 1 sheet but it had all my charges on them untill i got back in touch and explained that under the data protection act 1998 i had a right to receive everything they held on my file took a bit of time but i got it in the end !

[SPK]

Hi ya, just to let you know, all letters of asking for charges have gone off now last week, along witht he other bits Al said to send. I got a call from the old fella on saturday saying that he has got a letter from Barclays demanding the money that the account is overdrawn by ! giving him 5 days to pay ! what do we do now ?

Thanks

SPK

[e28bigalbexley]

Have you sent a letter telling them the account is in dispute, other than that unless he has some money to deposit thats all he can do, thing is if they start adding defaults onto his account then when you send the next letter asking for charges back you can ask that the default be removed also. It may well be worthwhile doign him a credit reference check from Expirian or Exquifax to see if anything has already been lodged, as if you can prove the penalties were the cause of the default it can be removed.

 

AL:)

[SPK]

Hi Al, Yes we sent the dispute letter to both companies.

I recon as its come from Barclays not Woolwich one hasnt told the other ?

No he hasnt the money to furnish the account with any and the overdraft is made up entirely of charges.

I will know more when i get to work this morning.

SPK

[SPK]

Hi ya, just to let you know the old fella recieved an offer well below what he is owed from Barclays/ Woolwich today, he was tempted to take it and run but i have persuaded him to hold out for the full dollar.....

SPK

[e28bigalbexley]

Hi Clint

Hope everyones ok

Yep you did right he will get his money back it just takes time get him to stick to it. It may seem to him like a long winter but boy will the summer be hot.

[SPK]

Hi all, sorry for not updating but been very busy and have had the flu so havent been at work.

Right, i sent the LBA got no reply but now we seem to be getting letters daily ! and keep sending him letters demanding money for charges, what do we do now ?

He is ready for moneyclaim this week so do i just ignore the letters and continue or what do we do ?

Thanks everyone.

SPK

[e28bigalbexley]

Hi Clint

Sorry to hear you have been unwell, still springs on the way.

Crack on with MCOL if thats the way your going to do it although dont file till 14 days are up for the LBA.

All the best AL:D

[SPK]

Hi Al, 14 days are up, and moneyclaim will be done on pay day.

What do i do with all the letters they keep sending him re charges and the like ?

Cheers

Clint

[e28bigalbexley]

Keep them in a folder, if they have charges on them add them to your claim and do a seperate sheet for them, get covered from every angle.

 

AL:D