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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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.

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  1. #1
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    Default MS/Goldfish/Barclays send wrong SAR info

    My daughter sent a Subject access requesticon to Barclaysicon about her Morgan Stanley account, in mid January. Today she has received a list of copy statements, for a man living in the West Midlands. She, by the way, lives in Hampshire!

    The account numbers are different - as you would expect. His is a visa card, hers is a mastercard. The only thing they have in common, is a surname.

    Now is it just that they have put the wrong cover note in with the statements, and Mr X in the West Midlands has my daughters details, or judging by the other postings, is this a regular occurence for Barclaycard?

    Alan


  2. #2
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Ooooooohhhh, this is a severe breach of the data protection act. Your daughter should contact the Information Commissionaires Office.

    If my advice has been helpful tip the scales

    West brom SETTLED

    Halifax current SETTLED IN FULL

    halifax curent (2nd) stayed. Visa - SETTLED
    2nd visa LBA sent
    halifax for the 3rd time. LBA sent

    Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

    Sainsbury's - Awaiting court date

    Co-op cc SETTLED IN FULL 2nd claim. Settled in full


    National Westminster Settled in full. 2nd claim. N1 submitted


    HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL


  3. #3
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Hi Alangee,

    As Sal says, you should draw this to the att'n of the ICO, enclosing the other guys data for them to deal with.

    I'd also drop a line to the other guy enclosing a copy of the letter to the ICO.

    Then a letter to BC, enclosing copy of ICO letter, and say:-

    In the circumstances, please send me within 14 days the information which you are required to supply in accordance with my SARicon, a copy of which is enclosed for your information.



    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

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  4. #4
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Its becoming a regular occurance for Barclaysicon/ MSDW CCAs.


  5. #5
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Quote Originally Posted by noomill060 View Post
    Its becoming a regular occurance for Barclaysicon/ MSDW CCAs.

    The post has arrived.................. ...........

    Oh dear

    According to Sharkleys I appear to have changed sex... and home

    At least according to my SARicon response

    I fancy emailing some newspapers ... thoughts?

    Are You as Anonymous on CAG as You Think You Are? *Link*

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    IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

  6. #6
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Hi Pmw,

    If you start your own thread for this, we'll d/w it there.



    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

    If I've been helpful, please click my scales.

  7. #7
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Quote Originally Posted by pmw1971 View Post
    The post has arrived.................. ...........

    Oh dear

    According to Sharkleys I appear to have changed sex... and home

    At least according to my Subject access requesticon response

    I fancy emailing some newspapers ... thoughts?

    not another one....


  8. #8
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Spoke to the Information Commissioners Office today about another subject, but mentioned the fact that Barclaycard had sent someone elses info to my daughter. Was advised to send it back to Barclaysicon and let them deal with it. Apparently the ICO will only tell Barclaycard to make sure their procedures are all working anyway.

    Alan


  9. #9
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Hmmm,

    Sounds like someone's being lazy.

    My understanding was that such breaches of confidentiality were looked at seriously.

    I would definately still report it to the ICO in writing, enclosing the doc'ts, and copy your letter to the named guy on the doc'ts.



    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

    If I've been helpful, please click my scales.

  10. #10
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Quote Originally Posted by alangee View Post
    Spoke to the Information Commissioners Office today about another subject, but mentioned the fact that Barclaycard had sent someone elses info to my daughter. Was advised to send it back to Barclaysicon and let them deal with it. Apparently the ICO will only tell Barclaycard to make sure their procedures are all working anyway.

    Alan
    Hmm I didnt follow through with my thought on contacting the press due to myself not officially being the aggrieved party.. perhaps we need to find out numbers of people this has happened to and then see if it needs to be raised publicly????

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    The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

    Deal with your debts:
    STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

    ***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****


    IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

  11. #11
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    I did mention to the guy at ICO that their making sure that procedures were in place, were not working with the Government or various banks, who are losing data daily. His comment was that they can increase their penalties if they repeatedly fall foul of the law. I guess that means taking their sherbet dips off of them!

    I shall still get my daughter to send all the info with a complaint to the ICO, and let the guy in the West Midlands know as well.

    PMW, you could still be the aggrieved party. Where has your data gone?

    Alan


  12. #12
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Quote Originally Posted by alangee View Post
    PMW, you could still be the aggrieved party. Where has your data gone?

    Alan
    Yep this is true, just have to hope someone likeminded would let me know

    Are You as Anonymous on CAG as You Think You Are? *Link*

    The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

    Deal with your debts:
    STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

    ***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****


    IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

  13. #13
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    Default Re: MS/Goldfish/Barclays send wrong SAR info

    Letters to Barclaycard, Information Commissioners Office and Mr X in West Midlands all sent off. We await the outcome.

    Alan



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