re-claiming my charges!?!? **WON** with Contractual Interest and no court claim !

**d1cky** · 12th March 2009 23:13

hi, I would like to proceed with getting my money back from my Barclays icon

credit card. if anybody could be kind enough to point me in the right direction, i would be very gratefull, thx.

**slick132** · 13th March 2009 00:21

Hi D1cky,

If you don't have 6 years icon

' statements, get them with an SAR icon

+ £10 fee to BC.

Fill in the Site spreadsheet listing all penalty charges to make your SOC.

Send to BC with this letter - http://www.consumeractiongroup.co.uk...RD-letter.html

See Link No1 in my signature icon

below - Reclaiming Guide.

**d1cky** · 13th March 2009 12:15

well im missing page 1 from april 05, apart from that i have all statements from january 05 right the way up till march 08. funny actually because i havnt used my card since it was paid off in march 08 but i recieve a statement thru the door of january this year with a £35 card protection fee charged to me. Obviously rang them and told them to remove this strait away but what a cheek! any way back to the statements how am i to know if theier are any statements prior 05, is this where i should write and ask for copy of statemnts for anythig before may 05?

**johnnymitch** · 13th March 2009 14:03

Send them a SAR , dicky, asking for everything they have on you ......... cost £10 goes back 6 years icon

......

Subject access request (Subject access request

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/516-1-data-protection-act.html

Explanation –what a Subject Access Request is
http://www.ico.gov.uk/upload/documen...a_subjects.pdf

S.A.R - (Subject Access Request) information, they have a legal obligation to provide ALL of the records they hold on you when you request it. This includes ALL of your accounts ALL of their internal notes and ALL of their correspondence ANYTHING with your name on it, and all for £10

**d1cky** · 13th March 2009 14:25

k, will do. thx

**d1cky** · 17th March 2009 17:27

are the letters exactly the same if its for credit cards rather than banks?

**johnnymitch** · 17th March 2009 17:40

If it's a SAR icon

not a CCA - I would say yes , you want all they've got on you Credit Card orientated ........

**slick132** · 17th March 2009 18:18

If it's a SAR icon

for a credit card, make sure you include specific mention of your executed Credit Agreement. If they fail to provide this, you can complain to the Info'n Comm'rs Office.

**d1cky** · 17th March 2009 18:24

ive just printed off the template letters as they are but just added my name and address, thier name and address, and my acount number have not changed anything else on them! should I and if so what and where?

**slick132** · 17th March 2009 20:37

If you've amended a template to suit your own case, that should be fine.

**d1cky** · 17th March 2009 22:10

Originally Posted by slick132

If it's a SAR icon

for a credit card, make sure you include specific mention of your executed Credit Agreement. If they fail to provide this, you can complain to the Info'n Comm'rs Office.

there is no mention of executed credit agreement in these template letters! these letters are designed for bank charges! are there not any template letters on here for if you are dealing with credit card comanies and not the banks?

**havinastella** · 17th March 2009 22:26

Try this one

http://www.consumeractiongroup.co.uk...5-sar-ppi.html

This is a self help forum, you have to do SOME things yourself.

Jogs

**d1cky** · 17th March 2009 23:40

lol, I know I do apoligies but I really do strugle when it comes to letters and formal things like this. I do try as much as possible!

Any way thanx for this link. I have actually altered it a bit and I will post it on here for Anybody to use if they are just dealing with a credit card account. Please point out to me If theres anything thats not right about it.

**d1cky** · 17th March 2009 23:58

Thier address your address

Date: xx/xx/xx

DATA PROTECTION ACT 1998
Subject access request

Dear Sir/Madam
My name: xxx xxx
Account No: xxxxxxxxxxxxxxxx

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to the credit card account no. as above.

Please supply me with a complete list of transactions and charges relating to my credit card history with your organization, INCLUDING, payment protection insurance and any other products. Alternatively a complete set of statements for the account is acceptable. I would be grateful if you would provide the following for the account I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

- A complete list of all transactions or statements relating to my credit cardwith your organization.

-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.

- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

I look forward to hearing from you in the first instance of receipt.

Yours faithfully

your name

I don't want any credit for this as this is mainly wrote by somebody else, I have just altered it a bit for anybody that just wants a S.A.R letter for credit cards. If you want the original copy then click on the link a cpl/few posts prior to this one. The original is for if you require an S.A.R request for a few different services i.e credit cards and loans but supplied by the same company i.e if you had a credit card and a loan supplied by say HSBC icon

, then you would require the original copy.

**slick132** · 18th March 2009 00:00

Hi D1cky,

As it's a forum template letter, please don't put it on your thread just now.

You've raised a good point about the SAR icon

not addressing the Credit Agreement and I'll take this further.

**slick132** · 18th March 2009 00:01

Doh !!

Too late.

**d1cky** · 18th March 2009 00:02

lol, sorry!

**johnnymitch** · 18th March 2009 00:19

Hi slick . I'm a wee bit confused here(but that's nothing unusual ! )

You've raised a good point about the Subject access request icon

not addressing the Credit Agreement and I'll take this further.

Surely a SAR icon

, by it's very nature asks for everything they hold on you , with your name on it - doesn't that include Credit Agreements ....?

There's also this one ...... Letter N

http://www.consumeractiongroup.co.uk...tml#post162353

**d1cky** · 18th March 2009 00:35

wow, he has been a busy man. none of them are any good for me tho are they?

**slick132** · 18th March 2009 00:52

Howdy JM,

Letter N is the CCA request made under the CCA1974, which is totally different to ..........

............ the SAR icon

which is made under the Data Protection Act, as you know.

I totally agree that a bank SHOULD provide everything they hold on you. However, the reality is that they appear to be selective (massive understatement) with their replies.

BC are not sending out Agreements when asked in a CCA request, so highlighting this in a SAR icon

may help in enforcing compliance, either through the ICO or court.

I've already raised this with the Site Team and I'm sure any amendments will follow if deemed necessary.

Thread: re-claiming my charges!?!? WON with Contractual Interest and no court claim !

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