Barclaycard Credit card

[marksteps]

Can i claim on this?And how far back? Im interested in going for it, reading otherposts, it looks as if i could be successful.Would the initial letter be like the one i used for the bank etc?
I have changed cards over the years, either by losing them or having them stolen. Would that affect anything ie will they have records of me going OD on old cards.

x

Now tuttut!!!!!!

You know the rules, read read and read.....

[marksteps]

Im stalling from attacking Barclaycard because i want to see if there is a way round this! I need the years 2001 to 2004 which i wont get from my Data Protection Act what can we do??

[alanfromderby]

Originally Posted by marksteps

Im stalling from attacking Barclaycard because i want to see if there is a way round this! I need the years 2001 to 2004 which i wont get from my Data Protection Act what can we do??

Am I missing something..why not?

[Bookworm]

Because B/card won't send them, Alan. They hide behind the Microfiche argument. Have a browse at the B/card threads, you'll soon see what OP means.

Mark, they will send you the semi-useless printout though, and since they've said they only started charging from mid-01, you should be able to estimate an amount from there. If the amount is too high, or they have refunded, let them prove it, and then explain to a judge why this info wasn'tmnmade available to you.

Or you can hit them with a S 9 court claim to force compliance. Takes a bit longer, but you'll get the right data to claim.

.

[marksteps]

Prepared my Data Protection Act letter to be sent first thing in the morning...

Also enclosed a cheque for £10

[breadline]

They will do eventually, the site is growing and sometimes different procedures take time to get around. Now where i live it would only take an hour to be shared but here it can take awhile longer.

Now if you have or see some one in your position you can pass it on

BL

[breadline]

They will do eventually, the site is growing and sometimes different procedures take time to get around. Now where i live it would only take an hour to be shared but here it can take awhile longer.

Now if you have or see some one in your position you can pass it on

BL

[fergal71]

hi not sure if this is the right way to go but I requested 6 years from barclaycard and got 2 years, i worked out how much they had charged me in 2 years and multiplied by 3. here is the prelim letter i sent, i assumed if they where to argue and wanted to go to court then they would have to provide the six years information anyway as they had breached Data Protection Act, and I would be happy if it was less as long as it was what i had been charged. I highlighted that it was estimate due to lack of statements they were able to provide.... maybe moderator can see if this is a good way to go I will keep you up to date LBA due out on 7th june....then moneyclaim 14 days later.... DONT MIND TELLING JUDGE IT WAS ESTIMATE AS BARCLAYCARD DISREGARDED THE Data Protection Act 1998...

copied this from parkes v barclaycard this is what I am trying see what happens???

I always request email from them to say they have received letters so I have copy if it does go to court..


Customer complaints department
Barclaycard
1234 Pavilion Drive
Northampton
NN4 7SG

24/05/06

Dear Sir/Madam,

CARD/ACCOUNT NUMBER:

I now understand that the regime of fees which you have been applying to my account in relation to late fees and over limit charges are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

*I estimate that you have taken £1680 plus £134.40 which you have charged me in interest for the sums which you have taken. Total £1814.40
Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

*The reason I am estimating these charges is that you say you can only provide 2years information (may 04 until may 06) under the data protection act. I find this to be untrue and unlawful and a separate letter will be sent to the information commissioner to report these actions. I am willing to be advised if this amount is incorrect of the true amount, once this information is received and then can be adjusted accordingly.

In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

Yours faithfully

	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.

[Janet-M]

I am willing to be advised if this amount is incorrect of the true amount, once this information is received and then can be adjusted accordingly.

You require proof that your estimate is wrong as well or let them prove it in court , as we all know they won't

[fergal71]

so I take it this is okay to do then????? If this is the case why is this not done by everybody having difficulty getting 6 years or more statements...Is this the way to go

[marksteps]

I have not heard back yet but i like the above letter. Clarification on sending this would be helpful.

[Cmdenny]

I paid for the 3 additional Statements at £3 each and I hope to claim this back as well.

[lynzpower]

Incidentally, is there any way you could go "oh you guys owe me 5k" which is way more than they owe me, but then they would have to prove in court they dont?

ANY THOUGHTS?

[fergal71]

lets not become them, follow the rules or the judge will see the greed....

[Bookworm]

Go back a few posts in my thread and see Robertcx's coments on the subject. A non-starter, I'm afraid...

.

[vw203]

Originally Posted by breadline

They will do eventually, the site is growing and sometimes different procedures take time to get around. Now where i live it would only take an hour to be shared but here it can take awhile longer.

Now if you have or see some one in your position you can pass it on

BL

i have no idead what to do regarding bank charges, can you please help

	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.

[marksteps]

Just wondering who is/has had problems with Barclays in respect of getting statements from them?

[marksteps]

Bumping back up folks...

[marksteps]

The statements i received where for May 2004 onwards with only one £25 fee!
I have just printed my next letter ready for posting Monday morning 9 am sharp for non-compliance....
They say i have to pay £3 per statement prior to April 2004.

This is the correct next steps right??