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.

£19.99 + £1.50 (P&P)




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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    lauraw78 Novitiate

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    Default Barclaycard wanting £3 per statement, not budging on this

    They are not budging on this even though I stated the dpa to them, they responded 'As advised earlier, I must inform you that we levyicon a charge of £3.00 per copy statement.' So where do I go from here, do I just go ahead with a claim, or write them a letter first asking for x amount back?! I have no idea how much they have charged me but Im guessing its around the 1000 mark.
    Any help will be hugely appreciated.
    Laura

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  2. #2
    Site Team The Consumer Action Group Docubot has disabled reputation

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    Report them to the IC (make them work for our tax money)- and then send Barclaysicon a letter stating that unless they comply with the DPA, then you will start proceedings against them for non-compliance.

    Tell them that they can rectify the situation by sending you a list of charges, with dates and amounts within the next 7 days etc....

    Be firm with them - they're only a bl**dy bank - they THINK they run the country and they THINK they are above the law.

    They are neither - do not let them dictate how event will unfold. You wouldn't with any other business that was fobbing you off - don't with these.

    Cowboys. In fact that's too harsh - a cowboy builder firm would have more respect for it's customers.

    Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.

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    The question of copy statements has arisen before - in the lloydstsbicon forum and it was established that staements are not part of the file. However transactions and charges are part of the file and must be disclosed under DPA. Getting only copy statements does not get recods of manual intervention


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    Quote Originally Posted by richardc
    The question of copy statements has arisen before - in the lloydstsbicon forum and it was established that staements are not part of the file. However transactions and charges are part of the file and must be disclosed under DPA. Getting only copy statements does not get recods of manual intervention
    I know this is about barclay card and not a Barclaysicon current account, can anyone explain to me what manual interventions are? i have just requested all my bank statements for the past 6 yearsicon from barclays and have paid £5 for them to be sent to me. Are the bank statements not enough to start sending letters to claim the money they owe me?

    Many thanks in advance for any information I recive and thanks for such a great site!


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    In a recent interview a banks' spokeman claimed that charges were so high because 2 people had to intervene in the case of refused D/Ds etc. OK, so prove it.


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    Thanks for the advice, I have taken that on board and sent them another email, will let you know how I get on =)


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    Site Team The Consumer Action Group Docubot has disabled reputation

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    Quote Originally Posted by richardc
    In a recent interview a banks' spokeman claimed that charges were so high because 2 people had to intervene in the case of refused D/Ds etc. OK, so prove it.
    He never will....because IMO....he can't.

    I have written to Ian Mullen and CH5 news asking for a televised interview to be set-up between he and I.

    No response as yet.

    Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.

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    The question of copy statements has arisen before - in the lloydstsbicon forum and it was established that staements are not part of the file.
    I found this in the FAQ which would suggest that statements are part of the file and covered by the DPA

    Q. The trouble is that I don't remember what they have taken from me. I'm not very good with my paper and I don't have my statements any more OR I was troubled about id thefticon and I shred my statments after looking at them and therefore do not know the amount I have been charged, how can I find this information?
    A. You can apply to your bank for copy statements going over as long as you need. You can make an offical request under the Data Protection Act (1998) - you need to make the bank aware that you are making this request under the DPA. They then have 40 days to comply with the law. If they state that bank statements are not covered under the act, point them at the Durant v FSA case, in which the judge ruled that bank statement information is 'personal' information and thus covered under the Data Protection Act.


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    This is the relevant quote:

    quote="BankFodder"]Dave found this on another forum:-

    per homer_j

    I have just had a phone callicon from the Yorkshire Bank Data Protection Advisor and he has backed up phone callicon that I cannot claim my bank statements through a DSA and that there was a meeting in DEC05 between the ICO and several banks, which gained clarification to this matter. The ICO were adament that bank statements were not covered under the DSA.

    So just called the ICO and they have confirmed the following:


    No further guidance on this has been issued following the durant vs fsa case. What may be the issue is that we are asking for bank statement copies. He recommended that we be more specific to requesting the list of transactions and charges as these are certainly covered.
    [/quote]


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    Quote Originally Posted by lauraw78
    Thanks for the advice, I have taken that on board and sent them another email, will let you know how I get on =)
    I think that you will have to abandon emails here and send them a DPA letter from the library with the money and sent special delivery

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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    Quote Originally Posted by BankFodder
    Quote Originally Posted by lauraw78
    Thanks for the advice, I have taken that on board and sent them another email, will let you know how I get on =)
    I think that you will have to abandon emails here and send them a DPA letter from the library with the money and sent special delivery
    ok, I will do that as well. Big thanks to you for all the excellent advice you are giving everyone on here, I have let all of my friends and family know whats happening here so thanks from them too =))))))



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