Moneyhelp Vs Barclaycard **WON**

[moneyhelp]

Thanks guys - was kinda hoping you would say that

Oooooh yeesh Maxine, after reading your tale I will certainly double check and

double check again, although I don't think I could go through what you are

going through right now :o

Let the wait continue....

[moneyhelp]

Just called Barclaycard as I needed to change my address - so thought I would ask if there was any news about my missing statements - nice lady said a letter had gone out with the statements and I should get them any time now!

Yeah ok - I wont hold my breath.

[moneyhelp]

Got all my statements - been through them and they are all there.

Will do spreadsheet later and pen a letter to the courts cancelling my N1.

Was I not supposed to get a letter confirming my N1 from the courts?

Not sure how I can stop a claim if I don't have a claim number - will give the court a call and see what they say.

[animaleyes76]

You should get a notice of issue for the court once this has been issued to the defendant. Give the court a call

[moneyhelp]

Thanks animal

[maxine989]

yeehar!!

[moneyhelp]

Hoping someone can help me here -

Going through my statements and adding them to my spreadsheet I have 7 things listed that i do not know what they are, anyone have any ideas?

CHRGOFF CADV FEES £ xx.xx
CHRGOFF PURCH FEES £xx.xx
CHRGOFF INS PREM £xx.xx
CHRGOFF CADV UNPD FIN CH £xx.xx
CHRGOFF PRCH UNPD FIN CH £xx.xx
CHRGOFF CADV PRIN BAL M £xxx.xx
CHRGOFF PRCH PRIN BALM £xxxx.xx

Then my last 2 statements for June / July say my closing balance is £0.00 - I know that isn't right. So what's going on here????
Hoping someone can clarify as I want to get this off in the post tomorrow!

[maxine989]

Oh Bugger... here we go... that bloody zero again when they can't be bothered to dig out the original data.

Hmm... those abreviations seem to be charges for cash advances, card advances and card purchases and the printing of balances??

Doesn't make much sense... were you abroad using your card during this period??

Maybe give them a call and ask if someone can verify these abreviations. If you get no luck over the phone then you could write a letter to the customer services.

Certainly do not end your court case for non-compliance until all of the data and information you have requested has been given to you.

Hope this helps.

[moneyhelp]

Hi Maxine

Thanks for your speedy reply.

I have used my card abroad in the past, but these charges are on my April 2007 statement. I haven't used the card at all for over a year now.

I have modified my above post to include the amounts (in x's). At the end of these charges it says Total of new trasactions £xxxx.xx CR

Then on May 2007 and June 2007 statements my closing balance is £0.00

I hope this is making some kind of sense. If my closing balance is £0.00 can I hold them to it? Be nice if I did have a £0.00 balance!

This is doing my head in, why is nothing straight forward with these banks?!

[moneyhelp]

Have just emailed N. Page and A. Ruffhead...

Dear Ms Page

Account number : xxxx xxxx xxxx xxxx


I have now received all my Barclaycard statements in relation to my Subject Access Request, Thank you.

I have a few charges that I am unsure of and wondering if you could clarify for me :

CHRGOFF CADV FEES
CHRGOFF PURCH FEES
CHRGOFF INS PREM
CHRGOFF CADV UNPD FIN CH
CHRGOFF PRCH UNPD FIN CH
CHRGOFF CADV PRIN BAL M
CHRGOFF PRCH PRIN BALM

Also, on the statements for May 2007 and June 2007 it is showing a £0.00 balance, can you clarify this also please.

I have put in a claim for my statements with my local County Court on 27th June 2007, I will continue with this claim until I get all the information I requested with my
Subject Access Request

I look forward to hearing from you,

Regards

Moneyhelp

CC Adrian Ruffhead

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

	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.

[vogelrok]

the Zero balance isnt them saying they have sold the account on is it by anychance.

[moneyhelp]

Hmmmmmmm that's interesting - thank you I will ask, although I have not defulted I am currently paying them a minimal payment under the CAB - something else for me to get removed when the time comes.

Got an email from Natalie Page...

Dear Moneyhelp, Thank you for your email. I have passed your email on to our customer relations team who are better placed to respond to you regarding the charges you have queried. They will contact you by post in due course. With regards to your subject access request if you could contact my colleague Lindsay Hilton on 01604 254518 as I am on holiday from today, she will be able to assist you regarding what is missing. Yours sincerely

Natalie Natalie Page Privacy and Data Protection Manager Barclaycard Legal and Regulatory Compliance Dept LRC Tel: 01604 835418 c/w 2500 5418 Mobile: xxxxxxxxxxxxxxx Fax: 01604 254150 c/w 2500 4510 email: Credit Cards, Personal Loans and Insurance - Barclaycard
Address: Department LRC
Barclaycard House
1234 Pavilion Drive
Northampton
NN4 7SG

I did not ask her about missing statements, so I have no idea why I am to ring Lindsay Hilton. I hope she returns from her holiday ready to hear from me again!

	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.

[maxine989]

Maybe they are classing the zero balances as missing statements, like mine were...

[moneyhelp]

Oh lord I hope not Maxine :o

I just want to get on with this and I haven't even asked for my charges back yet *sigh*

[sea-sidelady]

You could still ring Lindsey to ask about it, and to see if she know the codes.

[maxine989]

Looks like someone else has a similar problem...

Look here:

bARCLAYCARD CONFUSION

[maxine989]

I've been looking around this site and on the internet in general MH and it does seem likey that the debt was sold off or moved over to another company... which is why the balance shows zero.

From what I can figure out the codes are part of the transactions which lead to the debt being moved from your account to another.

I'll carry on looking around.

[moneyhelp]

That is really helpful thank you

I think a call to Lindsay Hilton is in order.

If they have sold my debt off, why have I not been contacted by anyone and why on earth am I paying Barclaycard each month?!

This is so crazy and doing my head in

[moneyhelp]

Also -

Got a letter from the court this morning.

My claim was issued on 10th July - deemed served 12th July - defendant has until 26 th July to reply.

So what is going to happen about this court claim now if I cannot get statements from them as they have sold my debt - I am so confused, do I cancel the N1 or what????

[maxine989]

See what they (Barclaycard) respond with in their defense. There may be something mentioned in their defence about where the debt has been moved to now... I wouldn't rush to vacate it.

You have the wheels in motion inase Barclaycard mess you about. After all... it was a Subject Access Request they were supposed to comply with. They were supposed to give you all data related to your account history with them, including manual intervention etc... so really they should have sent you copies of the paperwork regarding the transfering of your debt to another compnay (which is probably Lowell financial).

It will be ages before you get a hearing date, so you are not wasting the courts time if you leave the court claim active for now.

The problem I find with Barclaycard is getting to actually speak to someone who can help... they pass us around from department to department and forward our queries on the another department and so on and so on. It seems harder and harder to get any relevant information out of Barclaycard staff over the phone or even in writing these days.

Try you best to get some answers about this 'moving of your debt'... and also make sure you request all the relevant data regarding this. mention that they are obliged to do so under the data protection act.

	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.