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Would you like to clean up your credit file? Check it out | | | | | | | | Barclays, BCard and Woolwich successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread |
29th November 2006, 17:11
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#1 (permalink)
| | Platinum Account Customer | sally v barclaycard "WON" Only done some reading on this sub-forum but I feel in my waters Barclaycard is going to be an interesting experience. Here we go then. Subject Access Request sent via Royal Mail using their free Proof of Posting |
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29th November 2006, 18:42
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#2 (permalink)
| | Basic Account Customer
Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since
: Sep 2006
Posts: 138
| Re: sally v barclaycard good luck sallysas.
hope you dont get the letter i got back of them asking for further details ie: more address details etc etc.
im sure you will be fine though and get your statements still waiting for my reply after giving them more details
nicethan |
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10th January 2007, 18:47
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#3 (permalink)
| | Platinum Account Customer
Your bank owes you an awful lot more money than you realise See here Cagger since
: Oct 2006 I am in: Birmingham, city of culture
Posts: 1,549
| Re: sally v barclaycard Right time to get stroppy. Data has failed to arrive so letter 3 from the templates library will be in the post tomorrow. Had a disapponting day at work so this will make me feel better.  |
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10th January 2007, 19:59
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#5 (permalink)
| | Platinum Account Customer
Is your bank avoiding its debts Data disclosure poll Cagger since
: Oct 2006 I am in: Birmingham, city of culture
Posts: 1,549
| Re: sally v barclaycard Does this information go back more than 6 years? I seem to recall reading a thread that if information is held on microfiche there is some reason banks cannot supply this. |
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20th January 2007, 21:25
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#9 (permalink)
| | Platinum Account Customer | Re: sally v barclaycard They only sent me data from January 2001. My original request goes back to November last year. Charges do not start till August 2001 so I will not loose any sleep wondering if I have anything before this. They are trying to be bolshy about the Information Commission aren't they 'we take a different view.... on whether these fall within the defination of "relevant filing system" as set out in the Act'.
So Prelim letter going out on Monday.
Before that though. My monthly rate of interest had been 1.385% from January 2002 to January 2004 when they put me on a payment plan and charged me 1%. I am going to claim 'out of order charge' from September 2004 but from October 2005 I was charged no interest at all as they reached an agreement via the CCCS. Do I claim staturory interest and how do I work out the correct figure. Thanks Sally
__________________ If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL |
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21st January 2007, 00:00
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#10 (permalink)
| | Platinum Account Customer | Re: sally v barclaycard Worked it out on monthly statutory figure. I had a consolidation % figure which I have not included in monthly figure. I rounded up or down where appropriate. Am I right in assuming I 'hide' the 8%/total claim/daily interest rate in pence until I get to court? Sorry about this but can't find a thread where anyone has detailed this process. |
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21st January 2007, 18:47
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#11 (permalink)
| | Platinum Account Customer | Re: sally v barclaycard Right. Forget about statutory, going to claim the simple compound contractual.
My first charge goes back to 17/08/01 the interest is 1.492%. As asked above do I leave off the consolidation %?
The rate changes to 1.456% the following months and alters for the last time 17/07/02 to 1.385% until I come to an arrangement with Barclaycard on 04/11/04 when they charge me 1.00% until I am charged nothing from October 2005 when CCCS made payments for me.
I am really thinking out loud people but I have spent 3+ hours reading "Why is no one claiming the contractual rate of interest" threads and my head is spinning. Am I right is thinking that all these different interests add up to what would be the total % of interest for the life of my claim? (This adds up to 29.179%.) I am proposing using this lower rate of interest (if it is) in my prelim and when they knock me back claiming the current higher authorised rate as I can tell the judge (if necessary) that I offered to settle for a lower amount.
As stated my first charge was incurred 17/08/01 but my data request was sent off in November 2006. Which date should I use for the start of my claim. I only received statements from January 2001. Thanks in advance. No way will I be sending prelim off tomorrow. Loads more reading to be done.............. Sally |
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6th February 2007, 21:03
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#13 (permalink)
| | Platinum Account Customer | Re: sally v barclaycard Loads more reading done now so I feel confident in claiming contractual interest. Just to prove I am not having a blond moment people, could someone confirm that Vampiress's spreadsheets are still offline. Life is on hold in all sorts of ways this week....................: rolleyes: |
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6th February 2007, 22:56
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#14 (permalink)
| | Platinum Account Customer
Your bank owes you an awful lot more money than you realise See here Cagger since
: Sep 2006 I am in: North Yorks
Posts: 751
| Re: sally v barclaycard Hi, you can get a spread sheet from here CAG members if it helps. |
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5th March 2007, 10:29
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#18 (permalink)
| | Gold Account Customer | Re: sally v barclaycard Quote:
Originally Posted by nevos Hi Sallyass  , you can claim back if you have the statements? The bank won't give you them under the statute of limitations past 6 years. | Limitation Act dosen't apply to a Subject Access Request. If you ask for a list of all your charges (or copy statements in the alternative) then they have to produce all of them, regardless of age, unless they can show that one of the examptions in the Data Protect Act applies.
P. |
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17th March 2007, 18:35
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#19 (permalink)
| | Platinum Account Customer
Is your bank avoiding its debts Data disclosure poll Cagger since
: Oct 2006 I am in: Birmingham, city of culture
Posts: 1,549
| Re: sally v barclaycard Had a reply today.
'............ I must inform you however, that we disagree with your legal analysis.' I'm claiming over £1400 and they have offered me - wait for it - £178.00 being the difference between the charges and the current £12 fee.
I'm not sure which world they inhabit, cloud cuckoo?
Never mind, Halifax capitulated today and gave me over £4000 back. When I come down to earth, LBA will be sent. |
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23rd March 2007, 14:47
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#20 (permalink)
| | Platinum Account Customer | Re: sally v barclaycard I've still got a lovely warm glow after my success with Halifax. But after 'Whistleblower' this is no time to let things slide regarding Barclaycard. LBA going off tomorrow. £178!!!!! indeed. It does make you wonder though just how many people out there, not knowing of this wonderful site would have caved in with that letter, which by the way did not even have a name on just 'yours sincerely Customer Services'. Now that is just rude. If they take too long to settle I will be telling cccs that there is nothing outstanding and the money Barclaycard are currently getting can go towards some of my other creditors.
Hope everyone else is also feeling positive.  |
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