Barclaycard claim new one

[Carl Stevens]

Sending Data Protection Act request form to get list of charges made for late payments to start a fresh claim.

[Bookworm]

Good luck with that one, them of the microfiche excuse.

[Carl Stevens]

I got my satements back today only going back to May 2004 with a note saying the rest are not held on a computer system or structured relevant filing system and therebye dont come under the Data Protection act 1998 but can be obtained from the customer services department at #3 (sorry no pound sign) per statement what a rip off. I will now work out the charges from what ive got and start the ball rolling.

[Carl Stevens]

Sent letter off for return of charges today 24/3/06 will await a reply I will expext this one to drag out aswell

[jonni2bad]

If you wish to reply to their letter re Data Protection Act, there is a response HERE

You might just need to alter one or two words in it, but not much.

John

[toffee]

Originally Posted by Carl Stevens

I got my satements back today only going back to May 2004 with a note saying the rest are not held on a computer system or structured relevant filing system and therebye dont come under the Data Protection act 1998 but can be obtained from the customer services department at #3 (sorry no pound sign) per statement what a rip off. I will now work out the charges from what ive got and start the ball rolling.

I got more of less the same letter this morning from them,going to use the letter on the link just above this post now and send that to them

[Carl Stevens]

Got a reply from barclaycard 3/5/06 saying that the charges were in accordance with their t&c's i will now send a letter before action to jolt them along a bit

	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

[Carl Stevens]

Got letter back in reply for request for 330 back offered 160 as a gesture of goodwill I will now start claim in moneyclaim online to go with my barclays and standard life claims

[Janet-M]

You don't say if you accepted it back or not.? Please be aware that you must accept back any money they offer you as long as it doesn't hold conditions ie: full and final settlement , confidentiality etc etc .If it is conditional make them aware you will accept that amount back but without the conditions and will be continue to pursue the rest in court if need be .

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[Carl Stevens]

Would failure to do this jeopardise my rights should it go to court i.e I didnt in my other two court claims that are currently ongoing

[Carl Stevens]

I have received a payment of 165 as a gesture of goodwill and the usual statement saying that these charges are set out in their terms and conditions and therebye justified
I have accepted part payment but only as part settlement of my claim and that I will continue with the rest of my claim.
Do I submit the claim to MCOL for the rest of the charges ie the balance between the two sums (they offered half of the charges) I tried to settle before getting this far but drew a blank with the banks refusal to pay the balance.

[jonni2bad]

If they have paid you some money already, without conditions, then just remove that amount from your claim total.

It would probably be best to subtract the money from your most recent charges working backwards. This would allow you to add interest to the oldest of charges rather then newest (which is 'worth' slightly more to you).

	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.

[Carl Stevens]

Can i include any additional charges incurred since my initial approach for repayment in my MCOL claim or would I have to let them know that I am claiming for additional charges applied to my account since making my first approach for a refund

[jonni2bad]

Yes, you can include the latest charges. Offset the payment against those first.