me vs the woolwich

[lihi]

Hi Everyone

Starting my own thread so that I can share my experience of claiming back unlawful bank charges from Woolwich.

Subject access request is just about to be posted off to them, I've addressed it to the Woolwich PLC as that's who my account was with and am sending it to their Bexleyheath HQ.

Watch this space

[zootscoot]

Good luck Lihi

[lihi]

Thanks Zootscoot.

What a nightmare, RM lost my Subject access request and postal order in the post strike so off I go for round 2 on payday. Fingers x'd it gets there this time.

[postggj]

just a point woolwich is now barclays, i had to submit court claim to barclays

[lihi]

Hi Post

Out of interest what address did you send everything to? I'm sending it to their Bexleyheath one as I know it's their hq and it's on the back of my credit report.


What point are you at with your claim? All experiences and advice are gratefully received.

[postggj]

youre best bet is to go into barclays and they will give you there customer services phone number. my claim was delt with there solicitors at canary wharf. yours will be at first with there data protection officer

[postggj]

only woolwich mortages exsist now, no bank its all barclays

[lihi]

Merry christmas and happy new year people

The Subject access request info was due back on the 10 December and received nothing, I know they received it because they acknowledged receipt on 1/11/07 and advised what office they were forwarding it to. Today a letter has gone out to this address requesting that they respond with the info by return.

I asked for help on another thread of mine and wondered if anyone has had a similar experience and how they got it resolved.

[lihi]

Update

http://www.consumeractiongroup.co.uk...n-act-non.html

Woolwich ignored my lba that was sent after a polite 7 day reminder, one of the site helpers PT kindly gave me the above link for the claim particulars for N1 court form when the company does not comply with Subject access request request. I have completed the N1 and have included all relevant correspondence and signature receipts, got Thursday afternoon off work, so will be popping into the court to deliver the claim.

Disappointed that I have had to resort to court action at such an early stage.

[lihi]

Help needed

I submitted a judgement against Woolwich back in February for copies of my statements and have recieved a notice of issue from the county court as well as a copy the court form and the bundle that I submitted. What do I do now? I don't understand the form, do I sit and wait or do I have to return. Completely stuck.

[lihi]

Got advice on another thread re notice of issue, all I had to do was sit back and wait. Today a notice that acknowledgement of service has been filed on 20/03/08 and that Woolwich intend on defending all of the claim and they have 28 days to do so, that's the 17 April.

Don't really understand the process or know what to expect so am nervous but with CAG I'm positive and I know that I have the amazing support of many individuals here.

I am really miffed that they've got the nerve to defend when all I want is my copy statements and I've claimed back the £30 cost for court and an additional £10 for the letters, postage, petrol and parking for the court process. Is that really unreasonable of me?

Will keep posting.

[lihi]

On Friday just gone I received a letter from the woolwich saying that they acknowledge that it is not cost effective to allow the matter to escalate to court and that they have requested my copy statements.

Saturday morning the postman knocked on the door with a huge envelope containing my statements, I've gone through and noticed that there are about 5 pages missing and will be requesting that they are forwarded to myself before I cancel the claim, they have also offered to refund my £40 fee.

After adding all the charges together, the total was £1000.

[lihi]

Update - Woolwich immediately emailed through all statements including those missing. I have notified the court I no longer wish to pursue through the courts as it has been settled out of court and I have accepted Woolwichs offer for £40 (£30 court fee and £10 out of pocket costs for filing it) and the production of statements.

As said in previous thread the bank charges add up to £1000 plus interest, next letter is ready to go with the schedule of charges. I have a few addresses that I could write to, if anyone happens to read this thread and know of the best address to send to please say otherwise I will send to their registered address in E14.

[lihi]

Update - Sent out the letter requesting refund for bank charges totalling £1000, their 14 days to respond was due back this Friday coming, Tuesday gone I got a letter from them saying they believe their charges are lawful though they will hold onto my complaint/request and deal with once the outcome of the case has been determined.

What do I do now? Should I just wait until the court case or should I issue the lba? I will look for the answer elsewhere on the forum and post back.

[havinastella]

continue to the time scale you have set out.

Send the lba, then issue the court proceedings, why miss out on all that interest as the Banks appeal the case.

Jogs

[lihi]

Feedback appreciated, thanks.

Will send out the lba at the weekend once their time is up.

[lihi]

Update

Got a response back from Woolwich acknowledging receipit of my request for a refund of charges but it has been put on hold until a decision has been made and at this time they do not consider them to be unlawful.

I responded with an lba. They have a week on Tuesday to respond before I submit the N1 form.

[lihi]

I want to submit the N1 and have copied the details from the step by step guide on CAG but it doesn't include anything about removing the default, does this come later or am I blind as a bat and completely missed it?

[lihi]

Can anyone give me a script to include on the POC's for requesting the removal of default issued as a result of the charges?

[lihi]

I recently requested a copy of my credit report and the default entered by Woolwich has disappeared completely.