Nightstar V Barclays ***Nightstar WON****

[Nightstar]

Hi, what an exceptionally informative site,thank you one and all for all your input and contributions,
I have sent both Barclays bank Current account Data Protection Act request last week, and Barclaycard DPA last week also, Can anyone please advise me as to what stage do I change bank accounts? as I have standing orders including mortgage etc and I dont wish to be caught out cold, any reply's will be most welcome,thank you.

[blueskies]

Personally I wouldn't change. Always have a 'parachute account' ready just in case but the banks have to give you a months notice to terminate your account and in that time you can transfer everything across. Barclays don't seem to be going down this road (yet) so it is likely that you won't need to change accounts at all

[Nightstar]

Thank's blueskies,
after sending off both Data Protection Act's gave them a call to confirm reciept,which they both did, Barclaycard had the cheek to offer me first £20 and when I refused £40 there and then,informed Barclaycard that yes I will accept their offer of £40 but not as full and final settlement,account was credited immediatly But I am aware it aint over yet, infact the fun has just begun

[blueskies]

What are the details of the claims or do have other threads I could look at?

[Nightstar]

details of the claims are basically getting stung on a monthly basis,going overdrawn £30 charges max 3 per month etc and a couple of late (not failed) payments with barclaycard,the thing that angers me most is who the hell do they think they are, ok I should stick to my credit limit but I only use my cashpoint card and they let me go overdrawn then sting me, if they were that concerned they would limit my withdrawal to the funds I have in,and not let me go overdrawn purposefully so they can profit from my bad finance management.

[Nightstar]

Update, recieved statements past 6 years well nearly!!!! (its June 06 now, they go back as far as Sept 00) sent off request 2/6/06,so not too bad responding to my request I suppose, mind you they were quicker taking my money from me well Ive had a quick shifty through them,only got through first 1/2 dozen pages and runs upto nearly £150, :o ,I'd recommend anyone does this, not just to put right a wrong but to see in a logical way how much they rip us off it really is quite shocking to see 3 paid referral entries at £20 a go,one after the other (£20 a go in 2000). I am going to make a coffee and scrutinize them this evening, and I know it's going to be quite painful, how dare they

[hek]

Hope you have fun, I can't wait to see how much I can get back, I added up the last 6 months and it was over £500 so in 6 years I'm expecting quite a bit, sent my Data Protection Act last week so should hopefully get the statements this week.
Hek

[Nightstar]

Okay then, spent a couple of hours last night and totalled up the charges, the Grand total of.................£2265 squid!!!!!!! am absolutly Gobsmacked. .plus Intrest, the EDIT so'n'so's...LBA,will be despatched forthwith,It's Gloves Off and Lets Boogie.. Going on me Hols thursday 22 June for 14 days so should expect a response for when I get back, Now which way too the Library.........


**Moderator note, post edited due to some libelous content.

[Nightstar]

OOOOPS!, In all my haste I wish to clarify a couple of points if anyone can get back to me with some useful feedback it will be much appreciated.
Sent letter to Liecester:

Dear Sir/Madam,
Please send me a comprehensive list of all the charges that you have made to my account in the past six years, showing the date and amount of each charge,and a description of what it was for. I make this request using my rights under the Data protection Act and expect your response within 40 days.

I telephoned them and they confirmed reciept of this letter and yesterday I recieved my statements.

Q1. I have not mentioned the manual interventions bit,does that matter?
Q2. Do I go forth and request my money back,or do I send another letter to clarify manual interventions?
Q3. Do I send letter to their Head Office,HO Customer Relations,1 Churchill Place, London E14 5HP,(thats where my statements come from(I think).

[redcorvette]

Hi new to this, and its all feeling a bit daunting, wondering have you the address to send the initial letter to barclays requesting the 6 years bank statements?

[Nightstar]

Hi redcorvette,
Yes I sent mine to Liecester, they have many different address sites, but the one I got a response from is: Barclays Bank PLC,
retail banking and customer relations dept,
Leicester LE7 2BB
Good Luck and keep us posted.

[rbrears]

Hi Nighstar - I wouldnt worry about a specific manual intervention request. Most banks don't (can't) prove this anyway and if your bank raises it in its defence to any proceedings they will have to produce that information at any hearing (not that there will be one) or in reply to a request from you (see any thread about Part 18 requests)

Just go straight to LBA once you have calculated your charges. Then when you get the sod off letter (or 50% offer and sod off for the rest) just issue the claim.

Best of luck

[Nightstar]

Cheers rbrears, Onwards and Upwards, will send LBA today YYYYIIIIIPPPEEEEEEE

[Nightstar]

vvvvvvvvvvv

[Nightstar]

hi all, just back from sunny Cuba after 2 wonderful weeks hols, no sooner than I arrived back I opened my mail and low and behold Barclays have sent me an offer of £635 as full and final settlement (you know the one, where they dont admit theyre not at fault but as a gesture of goodwill,blah blah blah) any ways I havent even asked them for a refund as yet I have so far only requested my statements and roughly worked out they have fleeced me for approx £2500 plus 8%... anyways I am going too send them a letter stating that I will accept their offer as part payment etc etc,
PS was hoping to sort this out before my hols but was too busy,as I had 101 things too do!!!!

[Nightstar]

Please Advise...........I have worked out what I have been ripped off for past 6 years, but do I request refund with 8% or do I ask Bank to refund me without intrest until I go too court if they wont cough up? Advice would be most appreciated. thank you

[Michael Browne]

There are 2 instances of interest you can claim

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

However if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this
It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother
This is the interest reffered to in the prelim and LBA.

2. 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before. The 1st spreadsheet calculates this.