disgruntled passenger v. HSBC and Barclaycard Default Rmoval

[disgruntled passenger]

Hi there, have started a new thread so I can de-hijack one I've been posting on!
So, 07.07.07- sent surlybonds template letter and s10 to Barclaycard and
HSBC
18.07.07 - received reply from HSBC saying will not stop processing
25.07.07 - sent request for CCA, terms and conditions at
time of opening account and £2 postal order to HSBC, also
queried accuracy of info on default on credit file
26.07.07 - 21 days up for Barclaycard, no response to initial letter

Basically would like to know where to go now. I believe that I am now able to write to Information Commissioners Office with copies of Barclaycard letter and s10 as they have breached banking code by not replying at all to s10 etc. Is this correct?

[disgruntled passenger]

Laid in bed last night at 3am with all this ticking in my head and wondered about this hypothetical situation, What do you think the banks would do if it was claimed that agreements to pay balances following a default notice were sent to the banks, within the specified timescale, and had been ignored ? I suppose in their minds if a letter had not been received, the default would remain. I also guess they would ask for copies, and not accept a generic letter. Now if this defence is working for them, with regards to the original default notices, i.e. well we sent them so you must have receivd them, and this is being upheld in courts of law, would it not also act as a defence for us? Hypothetically.

[disgruntled passenger]

Okay, finally received a letter from Barclaycard this week, saying they would look into the matter. Am I right in thinking they have breached the banking code due to the length of time they are taking? So far they have not given any further info. Also have received letter from HSBC saying they are looking into the issues raised in my second letter. Again, not sure on the timescales for action now. Just keeping you posted!