Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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  1. #1
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    Default Reply to Barclaycard non compliance letter.. Now what ????

    Heres the letter i received from Barclaycard today in reply to my Non Compliance Letter from the CAGicon library.. Any suggestions please....

    Dear Mr T.C.......

    Thank you for your letter dated 16th June 2007

    Firstly i would like to address your point concerning the provision of a list re charges applied to your account. Unfortunately our system does not have the facility to down load a list outlining charges however, we do provide customers with copies of relevant statements on which the charge is shown. As stated in your letter you have now received these statements..

    In regard to your mention of "manual intervention", the Data Protection Act does not oblige the bank to comment about internal policies and procedures. Whilst aggregated information is retained for statistical purposes, this would not constitute "personal dataicon" under the Data Protection Act and therefore would not be covered by section 7 S.A.R - (Subject access requesticon).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 DPA, is in no way a admission that there was no such manual intervention.

    If you require full subject access details please advise me in writing and i will provide these to you.

    Yours Sincerely

    Sqiggle Squiggle

    Sue Brown
    Data Protection Administrator
    Data Protection Team
    Legal And Regulatory Compliance
    Dept LRC


    All i want is my statements going back to the opening of my account(s), and not just the last six years..Unless there is something that i can do here to help everybody elses claim.....THANX

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  2. #2
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    If I was you, I would take up the offer of full subject access details - just to be sure.


  3. #3
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    And how does one request this ?

    Is it as simple as it sounds, or is there a template letter somewhere ?

    Cheers


  4. #4
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    If you sent your SARicon with £10 give them a call and demand them as you have paid for them!


  5. #5
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    I sent my S.A.R - (Subject access requesticon) x2. Paid £20 (didnt realise) they sent my cheque back, i sent it back to them with a "YOU WHAT" letter, have received 4 copies of statements on 2 accounts, all incomplete, all with months missing, have purchased a new recycling bin off the council, am down to my last wall to bang my head against...I just dont know what to do now....
    Am i wrong or does the limitations act (6 yearsicon) apply to the Data Protection Act SARicon....
    Am i barking up the wrong sky scraper...


  6. #6
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    The fact they sent your fee back means they dont have to send the full statements.

    Take up their offer and check if they want a payment.

    You should always insist they take the payment, as you do claim this back later.

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  7. #7
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    They cashed the cheque on 5th June...


  8. #8
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    If they have had their 40 days send the non complience letter http://www.consumeractiongroup.co.uk...n-act-non.html


  9. #9
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    Thats exactly what i have done....Above is their reply....


  10. #10
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    You need to do some reasearch on claiming more than 6 yearsicon. I will try and find some links for you later.
    (I didnt realise you were going for longer than 6 years sorry)


  11. #11
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    At Mo, i just want to get all the information that i am entitled to, and have paid for....Do you know if the limitations act applies to the SARicon request.


  12. #12
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    I've asked someone to come help you ;-)


  13. #13
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    I received a " Full Data Protection Act Disclosure " from Barclaycard today. Its about 600 pages long, i stopped counting at 500....
    2 points really.
    They destroy statements longer than 6 yearsicon old, Is this true ?.
    I still dont have a full set of statements ( none were sent in this ).
    A bit at a loss now really.
    Any suggestions welcome. ( good or otherwise )


  14. #14
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    Have you sent your lbaicon for statements? or filed a N1 for them/


  15. #15
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    I sent off lbaicon way back before Noah last used the ark...Cashed cheque, sent 4 lots of statements, over many weeks, all incomplete, cant make up a full set..
    They are Very Very clever at stalling tactics to their advantage..
    Will have a good read at weekend...Dont see the point of non compliance via court as im only a few statements short, really wanted 20 years of statements, not allmost 6.. Will post again over weekend... Thanx for help so far...


  16. #16
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    Why not put your N1 in and get the statements you want?


  17. #17
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    Am filing N1 on Tues 7th Aug..
    I think they have had long enough, dont you ?

    .



    I Wish you everything you wish yourself.

    .


    NatWest Claimed £1,639. Accepted £1,344.
    Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
    Barclays 1 Claimed £1,260. Won by default. Paid in full
    Barclays 2 Claimed £2,378. Won by default. Paid in full
    Birmingham Midshires. Claimed £2,122. Accepted £2,075.





  18. #18
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    Yes - go get them!

    Good luck!


  19. #19
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    The 600+pages of disclosure, were the biggest load of tosh that i have seen so far.. Absolute waste of time, effort, and deforestation.

    .



    I Wish you everything you wish yourself.

    .


    NatWest Claimed £1,639. Accepted £1,344.
    Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
    Barclays 1 Claimed £1,260. Won by default. Paid in full
    Barclays 2 Claimed £2,378. Won by default. Paid in full
    Birmingham Midshires. Claimed £2,122. Accepted £2,075.





  20. #20
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    Default Re: Reply to Barclaycard non compliance letter.. Now what ????

    Would you believe the day before i file for non com i get a full set of statements for the last 6 yearsicon. I kid you not.

    This is the paragraph that gets me.

    This information we have enclosed relating to this account is all we hold.
    They are saying they have no copy statements on me, microfilm, or otherwise, beyond April 2001. Im sorry, i just DONT BELIEVE this.
    ANY comments ? Thanx.

    .



    I Wish you everything you wish yourself.

    .


    NatWest Claimed £1,639. Accepted £1,344.
    Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
    Barclays 1 Claimed £1,260. Won by default. Paid in full
    Barclays 2 Claimed £2,378. Won by default. Paid in full
    Birmingham Midshires. Claimed £2,122. Accepted £2,075.






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