Consumer Action Group envelope labels
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Are you being threatened over debts more than 6 years old? This may be unfair
See our new Unfair Trading Guide Bought an extended warranty? Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
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Would you like to clean up your credit file? Check it out | | | | | | Welcome to The Consumer Action Group and The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  |
10th March 2006, 11:52
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#2 (permalink)
| | Administrator The Consumer Action Group | Report them to the Information Commissioner (make them work for our tax money)- and then send Barclays a letter stating that unless they comply with the Data Protection Act, then you will start proceedings against them for non-compliance.
Tell them that they can rectify the situation by sending you a list of charges, with dates and amounts within the next 7 days etc....
Be firm with them - they're only a bl**dy bank - they THINK they run the country and they THINK they are above the law.
They are neither - do not let them dictate how event will unfold. You wouldn't with any other business that was fobbing you off - don't with these.
Cowboys. In fact that's too harsh - a cowboy builder firm would have more respect for it's customers.
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<font face=arial size=1>Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.</font>
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10th March 2006, 12:09
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#3 (permalink)
| | Platinum Account Customer | The question of copy statements has arisen before - in the LloydsTSB forum and it was established that staements are not part of the file. However transactions and charges are part of the file and must be disclosed under Data Protection Act. Getting only copy statements does not get recods of manual intervention |
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10th March 2006, 14:57
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#4 (permalink)
| | Basic Account Customer | Quote: |
Originally Posted by richardc The question of copy statements has arisen before - in the LloydsTSB forum and it was established that staements are not part of the file. However transactions and charges are part of the file and must be disclosed under Data Protection Act. Getting only copy statements does not get recods of manual intervention | I know this is about barclay card and not a barclays current account, can anyone explain to me what manual interventions are? i have just requested all my bank statements for the past 6 years from barclays and have paid £5 for them to be sent to me. Are the bank statements not enough to start sending letters to claim the money they owe me?
Many thanks in advance for any information I recive and thanks for such a great site! |
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10th March 2006, 15:01
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#5 (permalink)
| | Platinum Account Customer | In a recent interview a banks' spokeman claimed that charges were so high because 2 people had to intervene in the case of refused D/Ds etc. OK, so prove it. |
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10th March 2006, 15:02
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#6 (permalink)
| | Basic Account Customer | Thanks for the advice, I have taken that on board and sent them another email, will let you know how I get on =) |
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10th March 2006, 16:54
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#7 (permalink)
| | Administrator The Consumer Action Group | Quote: |
Originally Posted by richardc In a recent interview a banks' spokeman claimed that charges were so high because 2 people had to intervene in the case of refused D/Ds etc. OK, so prove it. | He never will....because IMO....he can't.
I have written to Ian Mullen and CH5 news asking for a televised interview to be set-up between he and I.
No response as yet.
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<font face=arial size=1>Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.</font>
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10th March 2006, 17:24
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#8 (permalink)
| | Classic Account Customer | Quote: |
The question of copy statements has arisen before - in the LloydsTSB forum and it was established that staements are not part of the file.
| I found this in the FAQ which would suggest that statements are part of the file and covered by the Data Protection Act
Q. The trouble is that I don't remember what they have taken from me. I'm not very good with my paper and I don't have my statements any more OR I was troubled about ID theft and I shred my statments after looking at them and therefore do not know the amount I have been charged, how can I find this information?
A. You can apply to your bank for copy statements going over as long as you need. You can make an offical request under the Data Protection Act (199  - you need to make the bank aware that you are making this request under the Data Protection Act. They then have 40 days to comply with the law. If they state that bank statements are not covered under the act, point them at the Durant v FSA case, in which the judge ruled that bank statement information is 'personal' information and thus covered under the Data Protection Act. |
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10th March 2006, 18:05
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#9 (permalink)
| | Platinum Account Customer | This is the relevant quote:
quote="BankFodder"]Dave found this on another forum:-
per homer_j Quote:
I have just had a phone call from the Yorkshire Bank Data Protection Advisor and he has backed up phone call that I cannot claim my bank statements through a DSA and that there was a meeting in DEC05 between the Information Commissioners Office and several banks, which gained clarification to this matter. The Information Commissioners Office were adament that bank statements were not covered under the DSA.
So just called the Information Commissioners Office and they have confirmed the following:
No further guidance on this has been issued following the durant vs fsa case. What may be the issue is that we are asking for bank statement copies. He recommended that we be more specific to requesting the list of transactions and charges as these are certainly covered.
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10th March 2006, 18:09
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#10 (permalink)
| | Site Team The Consumer Action Group | Quote: |
Originally Posted by lauraw78 Thanks for the advice, I have taken that on board and sent them another email, will let you know how I get on =) | I think that you will have to abandon emails here and send them a Data Protection Act letter from the library with the money and sent special delivery
__________________ Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me. Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. |
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10th March 2006, 18:34
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#11 (permalink)
| | Basic Account Customer | Quote: |
Originally Posted by BankFodder Quote: |
Originally Posted by lauraw78 Thanks for the advice, I have taken that on board and sent them another email, will let you know how I get on =) | I think that you will have to abandon emails here and send them a Data Protection Act letter from the library with the money and sent special delivery | ok, I will do that as well. Big thanks to you for all the excellent advice you are giving everyone on here, I have let all of my friends and family know whats happening here so thanks from them too =)))))) |
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