Amin Vs Barclaycard partial success

[amino]

I spoke to a customer services agent who gave me an estimate of fees which have been levied upon over the years by Barclaycard.

They totalled in the region of £580
Silly hting is I did not start by asking for the Subject Access Request, I wrote to Barclaycard using one of the templates.

After about 28 days they wrote back saying that they were willing to repay the difference between the old rate and the new £12 rate and offered me £192 back. On the letter it said if we dont hear from you in 8 weeks we will assume you are happy with the outcome.

Then I went to use my card and it was declined, called them up and Barclaycard automatically placed the £19 into my account without my authorisation...


Is this normal procedure ? Also im unsure as to if I should accept the partial refund or if I can claim the whole lot, given I dont have a hard copy of the charges.

Any thought and advice is welcome !

Thanks

	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.