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.
Hope you're all well - am hoping you'll be able to help me with this ..
I sent a letter (unrecorded, fool that I am .. ) to Barclays on 28th February requesting a comprehensive list of my bank charges, to which I have yet to receive a response. I did email them to enquire as to whether it had been received - they mailed back saying ' Don't know, we'll write to you '.. Hmmm, still waiting on that letter..
Anyway , I have what is called a ' concessionary overdraft ' ( God knows ?!? ) of £500. I have had this for 8 months, never had any problems. Until today. I am £182.00 overdrawn - and am unable to withdraw cash from the hole in the wall. It is telling me ' no available funds ' - which leads me to believe that Barclays have pulled the plug on my overdraft in retaliation. Oh, and charged me £90 over the past 10 days or so for the hell of it.
My question is .. Can they do this ? I have merely asked for a list of charges at this point, using a standard template letter. How bad is this going to get ? !? Feeling kinda despondent already.
Would appreciate any feedback - think my charges will probably be in the thousands .. I'm almost too scared to add it up!
They should not ignore the letter, wait for the 40 days from 28 February to expire and if they do not respond by then, then post up here again and further advice will ensue.
If I have been helpful please click on my star and add a comment.
Cohen's: WON (discontinued) DLC: Given up, gone away. Eversheds: Trying! Equidebt: In default Intrum J: Return to OC iQor: Stopped paying. Link: In default. ScotCall: Return to OC Thames: Stopped paying.
I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.
I can see me being in hock to them to the tune of what I actually ( eventually ... ) receive back, the rate they are flinging £30 charges my way. I'm worried that they will claim not to have received my letter requesting charhes info, so I have to re send - giving them another 40 days.. so, 80 fecking days to respond to my request!! Aaaaaghhhhhh
Hi, Barclays did exactly the same to me when i got to court stage, 2 week b4 xmas and they freeze my account...luckily i had another acc or my 3 kiddies xmas would have been spoilt
jenny
If this has helped in any way please click on the scales..
Can I just check what the SAR and CCA timescales actually include. My understanding is:
SAR request - 40 Calender days (including weekends and Public Hols) ?
CCA request - 12 + 2 Calender days (including weekends and Public Hols) ?
Does the clock start ticking from the day an individual sends the SAR or CCA request (given they will have proof of postage) or from the date the recepient receives the request.
Thanks Boys and Girls !!
S.A.R - (Subject Access Request) sent to NatWest 30 March 07 Statements received 2 May
Cohen's: WON (discontinued) DLC: Given up, gone away. Eversheds: Trying! Equidebt: In default Intrum J: Return to OC iQor: Stopped paying. Link: In default. ScotCall: Return to OC Thames: Stopped paying.
I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.
No response from Barclays to my request for copies of my charges. Now what ?!?!?
Hi guys,
Hope you're all well. Have a question for you.. On the 28th February I sent a template letter to the lovely people at Barclays asking for copies of my charges. It's now 11th April - and I have had zero response. I tried emailing them enquiring as to whether they had received said letter - they mailed back saying that they couldn't say whether they had or not - but they would write to me via snail mail - hmmm.. to date, nothing. They have also reduced my overdraft out of the blue last week from £500 to £250 - which has caused me no end of hassle - so I'm thinking they must have received my request and are playing silly buggers. Oh, and charged me £90 alone this month, due to this reduction.
My question is this .. As over 40 days has passed, do I just re send my letter ? Therefore giving them another 40 days ? Or do I word it stronger ?
Your advice would be appreciated - thanks all in advance.
Re: No response from Barclays to my request for copies of my charges. Now what ?!?!?
Hi Taya,
I am in exactly the same position as you, my 40 days run out tomorrow, and so far have no communication from them. My account went over my overdraft though and for the first time in ages had no charges put on my acct ......mmmmmm
I am sending the 7 day letter on Saturday and will see what happens then,
Re: No response from Barclays to my request for copies of my charges. Now what ?!?!?
Thanks for that.. Letter will be sent to them recorded delivery tomorrow!
Funny that they are not levying charges your way, but flinging them left right and centre my way!
I still have no real idea how much they have charged me over the years. Have a feeling I'll keel over and die when I eventually find out!!
Re: No response from Barclays to my request for copies of my charges. Now what ?!?!?
hi Taya
again i sent mine in on 16th march and not had so much as an acknowledgement from them.
2 weeks to go then will be sending non-compliance letter.
i think Barclays are in reverse on the treadmill!
Re: No response from Barclays to my request for copies of my charges. Now what ?!?!?
Hi evry1
Sent my SAR letter to Barclays on 23rd February. Received standard acknowledgement a few days later along with my cheque for £10. Received statements on Tuesday 10 April-about a week over the 40 day deadline. Seems they like to keep us waiting-a bit like the service in my local branch!!!!
Re: No response from Barclays to my request for copies of my charges. Now what ?!?!?
Hi everyone. Im coming up to the 40 days since i sent my DPA request and heard nothing. However, i didnt send the request recorded delivery, so when the 40 days are up, do i resend the original request recorded delivery or proceed to sending a non-compliance letter? any help greatly appreciated.
Heather
Can Barclays retaliate like this ???
on 28th February requesting a comprehensive list of my bank charges, to which I have yet to receive a response. I did email them to enquire as to whether it had been received - they mailed back saying ' Don't know, we'll write to you '.. Hmmm, still waiting on that letter..
Reply With Quote
Re: 40 Days - What does that include ??
is:
Re: Can Barclays retaliate like this ???
Originally Posted by oneofakind
