** WON ** About to start any advice offered is much appreciated

[dzaster]

Hi All,

First off a big thanks to those who have formed CAG and BAG.

I have been reading through the threads and can only wish all those holding Barclays to account the best of British, and hopefully you will wish me the same as I am about to join your ranks.

Any advice here would be useful, I am looking at taking Barclays, Barclaycard Visa, BarclayCard Mastercard and MBNA through this process and was wondering if I should do them all at the same time or one at once. I must also ,emtion that I am currently getting advice from the CCCS with regard to outstanding debts and whether or not I should be pursuing this at this time.

Living in hope of constructive criticism

Dzaster

[Janet-M]

Hi and Welcome

The best advice I can give you is to read around the site especially the FAQ's .This will give you a clear understanding of what you are about to take on and also what to expect in reply to each step you take.As for if you should take them all on at once that would depend on your own circumstances in so much as have you the time , commitment and in a financial position to start paying the court fees (you may be exempt from these ) if not then you can stagger the claims at a pace that best suits you.When you decide to start each claim then post a thread under each banks own forum and use this to update and if you can't find the answer to any question you have already searched for.
please keep us posted

[dzaster]

Just to let you all know, I popped into the local branch today and have asked for my statements going back to the opening of the account. They are providing these at a £5 charge, however as this will take me over the overdraft limit they will also charge me a £35 fee for that. anyway will keep you all posted on what happens next

	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.

[Michael Browne]

Classic! Another £35 you can claim back.

[dzaster]

Just to say in addition to requesting statements at local branch this morning I have just finished addressing the Data Protection Act letter which will be sent Special Delivery tomorrow

Here goes nothing

[dzaster]

Just an update have also posted off DLA's to Barclaycard x2 and MBNA, have started threads in respective areas

[dzaster]

before dla to head office I had asked for statements at my local branch, they charged me £5 for this and was told I would have them in 3-4 days. Now a week later and I am still waiting. I think they are now in a right cafuffle to quote little britains Andy.

[Janet-M]

They may be using delaying tactics - send the Subject Access Request letter from the libary include the £10 .

	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.

[dzaster]

Just received my Data Protection Act back from Barclays and they seem to have changed the wording

I have pasted the text in below from a scan I did of the letter

Please be aware that the Bank is not under an obligation to present information according to any particular format. Therefore, your request to assemble a schedule of charges is turned aside. You may of course obtain this data from copy statements and these will be supplied to you shortly without charge on this occasion. As the Bank is providing the copy statements on a complimentary basis, no payment will be will debited from your account.
As regards your mention of “manual intervention”, the Data Protection Act does not oblige the Bank to comment about internal policies and procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the Bank does not hold the information you have requested in a form that would be covered by the Data Protection Act. Whilst aggregated information is retained for statistical purposes, this would not constitute “personal data” under the Data Protection Act and therefore would not be covered by a s.7 Data Protection Act subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the Data Protection Act, is in no way an admission that there was no such manual intervention.

Any comments??

[Janet-M]

Did you send the DPAR from our libary or did you change the wording ?

[dzaster]

was from the library, no wording changed apart from stating they had permission to withdraw from my account instead of including the cheque

[shrek_0]

ive just received the EXACT same letter back this morning and put it on another thread asking what its all about lol, good luck

[dzaster]

Do you think this may be a new tactic for them so they can now bring up new evidence in court if neccessary?

[shrek_0]

I used the letter from the library also,and sent £10 which was (obiviously sent back with the letter)
Ive no idea if this is a standard letter or slight change to the normal reply of request of charges.Am excitedly awaiting a moderator reply to enlighten me.

[Movingon]

Yes, this is a standard letter. The manual intervention stuff isn't really that important anyway; but if you really want it you could write back and tell them that manual interventions into your account are recorded in the Notes on that account which ARE personal data and ARE stored in a relevant filing system - you will therefore accept a schedule of the notes against your account which should include dates and times and the action taken or the discussion referred to.

The main thing is to get your transactional data and count how much money they have taken from you unlawfully.

	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.

[shrek_0]

If its not grossly important I will not pursue that part and await my list of charges and continue from there, am a little nervous about all this so dont want to bog my self down in more bank jargo than I require.
MAny thanks

[dzaster]

My feelings exactly.

Hope everything goes Ok for you shrek

[dzaster]

Just posted my request for charges to be refunded, 14 days countdown to LBA starts now.

	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

[dzaster]

Received another letter from Barclays today, with yet another copy of statements.... however on looking at these they seem to contain more charges than the original set I received.

Do I know send a further letter claiming the difference or do I send one which withdraws the first letter and claims the full amount?

Thanks

[Movingon]

Wait until it's LBA time... then send your LBA with the corrected amount.

	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