Bookworm v Barclaycard ***she's only been and won it! :-D***

[Bookworm]

Well, after all my efforts, not a peep, not even a f*ck you letter. I don't know, you give and you give and you GIVE... and do they write, do they phone?... Oi oi oi...

Ah well. LBA it is then, 7 days and then, the Good News... Can't wait....

	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

[Tinkerbelle]

I love your posts ! Good luck! I'll be watching with interest

	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.

[t7ny]

Any update yet after the LBA was sent?

I'm new to this site and I'm going to start the step by step procedings with Barclays, I have been overcharged constantly over the last 4-5 years and would like to know how you got on with them.

Tony.

	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

[Bookworm]

Well, there wouldn't be yet, would there, since I only wrote it a couple of hours ago, lol.

Welcome. Please make sure you start your own thread asap to keep track of your own claim.

[Spiceskull]

Originally Posted by Bookworm

Well, there wouldn't be yet, would there, since I only wrote it a couple of hours ago, lol.

Now, now Bookworm...!

[Bookworm]

Originally Posted by xxdiddiexx

I love your posts ! Good luck! I'll be watching with interest

Thank you. A fan AND a neighbour! I am twice blessed.

[t7ny]

Sorry Bookworm I must have been looking at the wrong date, It must have been when you joined rather than posted.

Thanks.

[woolfie]

Just wondering why you chose to give them 7 days in your letter rather than the more usual 14. Also would you mind if i pinched your letter and used it?

cheers

Woolfie

[Bookworm]

Because I'm impatient, and I feel that 21 days is more than sufficient, tbh. As it is, I let them get away with 3 extra days because of Easter.

Be my guest, help yourself, the more, the merrier, no copyright charges .

[woolfie]

That seems reasonable to me too.

Thanks for the copyrite free letter I owe you a drink!!

Woolfie

[Bookworm]

It's being one of those mornings, post-wise...

I got a reply, on the dot of the 7 days from my LBA!!! Woo-hoo!

Woo-hoo, my ****.

"Sorry we didn't reply to your previous letter, grovelling apology.

As to regards money, go f*** yourself. If I don't hear from you within 8 weeks, I'll assume your complaint is resolved."

Oh, all right. That's not exactly what it says. But that's exactly what it means.

They'll be hearing from me within 8 weeks all right... A lot sooner, actually...

Watch this space.

	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

[Tinkerbelle]

Go get em!!

Your doorstep sounded like mine today too Bookworm!

[johnfower]

Hows your claim going bookworm? Ive also started a claim against Barclaycard.

[Bookworm]

Well, after consultation, I am sending today a final final final letter (I wonder why they won't take me seriously! lol) as regards my Subject Access Request. This is to show my total and utter reasonableness to the judge. The deadline is now past, and they have no excuse, they haven't complied and I have given them 7 more days to comply in full with the Subject Access Request or I'll file straight off.

Watch this space!

	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.

[johnfower]

Hey bookworm, hows everything going with your claim?

[Bookworm]

Not a lot. Today was final deadline for complying with Subject Access Request, and I'm currently debating with myself (!!!) on which way to proceed.

I am hugely tempted to hit them with high estimated amount, and let them try to explain to judge why the correct amount might be less, and why, if they had the info, they didn't see fit to give it to me, despite my Subject Access Request... Either way, it could be uncomfortable for them. But there's a couple of issues with that, not least calculating the 8%...

How about you? Any news?

	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.

[Mogullen]

Hi Bookworm.
How is it going with this claim. As I am faced with exactly the same decision to make on the 30th of this month.
I have already sent them a letter giving them a further 7days for Subject Access Request.
I was wondering which way you have gone wether you sent in an estimated claim or not.

	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.

[Bookworm]

I'm going to, I'm working on a few difficulties, namely working out the 8% APR on an estimated amount with dates unkown. I'm in no hurry, I'll file it once I'm happy with my figures. They probably think I've gone away. More fools them.

[Bookworm]

Sorry, I forgot to update this thread.

While I'm working out interest and what not, I got letter from B/card. NO mention of my Subject Access Request, but this:

Sorry you feel charges unfair, we think fair and transparent, clear T&Cs, charges avoidable by staying within limit and paying on time.

Disagree with your legal analysis. T&Cs are clear.

(Now comes the fun bit):

copy statements sent show that charges between june 04 and march 06 total £120 (inc refunds). Since you have had few charges since 2004, the pattern indicates that overlimit & late payments would have occurred between 1995 and 2001 (eg when they didn't charge, you see?).

Putting above to one side, on this occasion and as a GOGW, they'll refund £60. No admission of liability AND confidentiality.

Are these people serious? Or do they really take me for some kind of moron?
I'm not going to go into specifics right now in case of prying eyes, but they have just made my claim a little bit easier to win... That should be fun, I'll keep you guys posted.

	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.

	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.