i really cant get to grips with the spreadsheet! help???

[I hate barclaycard]

Hello everyone, first and foremost i must say this websites great! ive been posting in random places all night but have just worked out how to start a thread in the right forum! lol
after a few months pondering on various websites about whether to pay some company to do my claim for me or whether to go it alone, you wonderfull people have inspired me to just go for it!!!!!
im preggers and so am only working part time giving me the perfect oportunity to give this my full attention.

Ok so i have sent the subject acess request on 25th oct 06

Bcard replied on 31st oct saying about microfiche and only supplied info back to may 04, so today i have prepared the letter saying that they must still comply and saying about abbey etc. i will be sending that recorded delivery tomorrow.

i am presuming they will reply to me with a letter similar to the first from what i have read?

And when i get this i just wait for the 40 days to run out.

this is where im slightly confused...in what order (once the 40 days is up) do i do the following?

Complain to info comissioner
send non compliance letter
send letter before action
calculate estimate (not that im quite sure how to do this yet!)

ive read so many threads ive now completely overloaded my brain and confused myself!!!

Any help would be greatly appreiciated.

THANKYOU XXXXX

	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

[bearo]

All the above is correct except the lba bit.....

You send letter of non compliance
Inform the info commis
Estimate to start your claim
Send peliminary letter - not 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

[I hate barclaycard]

Thankyou! ill keep you informed x

[I hate barclaycard]

Hello it's me again, sorry all i seem to do is ask for help. hopefully when this all pays off i can help others (and donate of course!) but until then im afraid your all gonna have to put up with me!! (thanks!)

ok im claiming against bcard.

first of all when do i send them the spreadsheet and what spreadsheet do i use, i keep searching threads and ive been to vampiress chambers but im just still confused.

Where is everyone getting 8% as the interest figure from???

Do i use the simple or advannced spreadsheet?

im clearly not gonna get my statments from before may 04 by the looks of things so do i guess at the rest, if so where do i put this on the spreadsheet?

if i have to guess my charges do i have to base them on the statements i have - charges were a lot more regular before may 04 as i was at college and didnt manage my account very well?

if any one can help id really appreciate it. Thanks a bunch.

	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.

[alanfromderby]

MOD NOTE: 2 THREADS MERGED - PLEASE KEEP TO THIS THREAD

[I hate barclaycard]

Sorry Im New At This! Its Ok Im Getting Well Ahead Of Myself Anyway And Looking At The Wrong Spreadsheet, I Think I Know What Im Doing For The Time Being!!!

[I hate barclaycard]

AAAAAAAAAAAAAAAAHHHHHHHHH HHHHHHHHHHH!
Why is today going so wrong!!!!!
my follow up letter to the Subject Access Request is due to arrive at barclaycard tomorrow morning, i realise tonight that theres a typo!!! sh** fu** boll*** why do i realise now, how unproffessional is it gonna look!
basically
"I am in receipt of your letter dated 31st October 2006, outlining that you could only provide me with printouts covering transactions during the past 17 months on my account, because any earlier information has been archived onto microfiche. "

the bit in red should read "during the past 29 months on my account" the 17 months is what im missing!

i know its only a minor mistake but im kicking myself cause it looks really bad.

what do i do????

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	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.

[alanfromderby]

To be honest, there are as many typo's in letters from banks than anywhere. For clarity I would send another letter just saying that your letter contained an error and that this letter supersedes the original.

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[I hate barclaycard]

Thankyou....again!!
Sent a letter by fax to day showing correction. x