MR2Phil -vs- Barclaycard **FASTEST WIN EVER!!**

[MR2Phil]

Hey,

Thought I'd start a thread on my latest fight. Barclaycard have actually been pretty quick so far. Sent my Subject Access Request off and received statements well within the 40 day mark.

Excitably worked out that they owe me nearly £500 in charges, current outstanding balance on the card is less than £400. I offered them an easy, early settlement of the outstanding balance. I thought they might go for this as they'd realise that they're only going to end up paying the whole amount, plus interest, plus court costs etc...but, of course, back they came with their standard "Bog off" letter. Are they that stupid?! With interest and fees it'll end up over £700!!

LBA went off yesterday...bring it on! Received similar letter from Egg as well so they've got one too!

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[slick132]

Hi Phil,

Are you claiming CI on this?

[MR2Phil]

No, not at the moment. That was another one of my bargaining chips...that if they didn't refund me what I was after, I would go the whole hog. They offered £140 out of £470 total. I said I'd settle at £360 and now waiting on that before court. LBA went off on Monday so a while to go yet.

With interest they could end up paying over £600, then adding court costs etc...!

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[slick132]

Hi Phil,

When claiming CI, you should include it on your POC and claim it in the Prelim and the LBA.

If you want the CI (check and see if it makes a big difference on your claim), you'd best send new Prelim and LBA.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[MR2Phil]

Too late, Slick! I would just like to say....this MUST be the fastest victory EVER!!

Prelim went off on Wednesday, rejection letter came back Friday. LBA went off on Monday, letter offering MORE than I was asking for arrived yesterday!!! Whooooooo-hoooooooo!

Yeah, I could've asked for all the interest, total would have been £611, but I was only asking for, first of all £360 for a quick settlement, then £470 in the LBA (full amount), but they offered £510.

Bonus!

Admin, please change thread title...I would advise anyone else to strike Barclaycard while they're feeling generous! Letter I used below:


Barclaycard
Customer Relationship Unit
Barclaycard House
Massey Road
Stockton on Tees
TS17 6EX


[edited]

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[sea-sidelady]

Hiya Mr2Phil.

Good to see your still kicking butt....

[MR2Phil]

Ha ha! Hiya SS Lady! Yeah, I'm still floating about! Dunno if you saw, but I had a court case ongoing since November...settled a couple of weeks ago and got away with paying less than 50% of what they were claiming, which I was more than happy with, now this! Egg are not being quite as quick, then it's onto Ikano Financial...I think that'll be about it, it'll be a shame!

How are you doing? Had any sweet successes?!

[sea-sidelady]

I will have to go and have a look.

I'm fine thanks. I have just won 2 JD Williams claims i had.

Good to see you will be around for a while longer.

[MR2Phil]

Oh yes, a little while yet!

No win as big as the original claim that brought me here back at the start of 2007...I wouldn't mind another injection of cash like that!

Good to hear about your two recent wins! And you have 5999 posts! Whooooo!

[Bookworm]

(I am however most put out that it took me 18 MONTHS to get mine back and you get yours back in about a week! )

[slick132]

Nice one Phil.

Great result and congratulations !!

[MR2Phil]

Ha ha! Thanks guys! I just couldn't believe it! Was fully expecting it to be a "see you in court" letter when I came in from work. No idea why they decided to be so nice, even offering me MORE than I asked for! Brilliant!

[sallysas]

Glad things are going well for you - is there a 3rd one in the offing?

superb news

[MR2Phil]

Thanks! Going after Egg and Ikano, then that's it...I almost want some more!

[sallysas]

Now come on - what about utilities. I am going after Virgin soon. How about old accounts from the mists of time................

[MR2Phil]

There really isn't anything! I'm scraping the barrell going after Ikano! It only occurred to me when I was checking my Ikea statement for the month and saw a £12 charge...I thought "Hmmm...wonder how many more there are...!" I doubt it'll even be £100.

[sea-sidelady]

Even if it just the one charge of £12, better back in your pocket!!!

[MR2Phil]

Too true, SSL!! Too true!