Martyn Vs Barclaycard. A few questions.

[Coyney]

Hello all,

I've just written my Data Protection Act letter to Abbey requesting my charges so have done a bit of reading and have made myself familiar with how it works.

I had a Barclaycard for 5 years which I changed to another lender about 2 years ago. During that period I recieved numerous £10 charges for missing payments and a few other charges that must total upto about £300-£400. Before I proceed with it, I've got a few questions:

Do I send the same letter to them as I did my bank requesting my statements? Do Barclaycard charge for this? If they do, who do I make the cheque payable to? What is the best address to send the letter to?

I read a post that said because someone was no longer with the lender they basically told them where to go. Is this usually the case with Barclaycard or do they tend to send out the statements as requested?

They've just announced record profits so I's like to do my little bit to reduce them!

Many thanks in advance,
Martyn

[Advoc8]

Hi,

You can send a data protection act subject access request (template is in the site FAQs), the fact that your account is closed shouldn't make any difference (didn't to me).

There's a list of contact addresses for Barclays stickied on the forum, but you can try:

Barclays Bank PLC
1 Churchill Place
London E14 5HP


Cheque payable to Barclays Bank PLC or Barclaycard.

	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.