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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    nannykaren Novitiate

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    Question Please help, I am new to all this!!!

    Hi, I have never posted on a forum before and hope I am doing this right. I want to reclaim charges from Barclaysicon. After reading all I could on this site I sent a letter off to Barclays, the one asking for details of charges. I have received the following reply.
    We refer to your letter of 21 June, which was passed to this department for comment due to your request for certain information, relating to bank charges, under the tems of the Data Protection Act ("the DPA").
    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 your payment is returned herewith.
    As regards your mention of "manual intervention", the DPA does not oblige the bank to comment about internal policies and procedures. Futhermore, 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 DPA. Whilst aggregated information is retained for statistical purposes, this would not constitute "personal dataicon" under the DPA and therefore would not be covered by a s.7 DPA 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 an admission that there was no such manual intervention.
    yours sincerely
    Peter Townsend
    Manager, Barclays Data Protection

    I hav'nt a clue what this means. I sent £10 payment which was returned with this letter. What do I do next. Can anybody advise please Thanks


  2. #2
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    Default Re: Please help, I am new to all this!!!

    keep the payment and wait for your syatements, thats all you need anyway oops, hi and welcome by the way and you're doing fine!!!!

    I QUESTION THEREFORE I AM!!

    Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!


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  3. #3
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    Default Re: Please help, I am new to all this!!!

    Thanks, I appreciate your reply. I really need to do this as I have paid a small fortune in charges, just need a little help and reassurance along the way. I will wait for statements and let you know how I get on.



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE