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)


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Thread: over 6 years

  1. #1
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    Default over 6 years

    I paid a whacking amount of charges between 2000 and 2002 to several credit card companies including Barclaycard. Reckon a couple of grand minimum. I had that much elsewhere to worry about that I never got round to reclaiming anything from the companies whose acccounts incidently got closed in 2006. Recently I chanced my arm with Barclaycard but they got back saying they only deal with records from 6 yearsicon ago. Read somewhere on this forum that others have not acccepted this and succesffuly pursued them for more than 6 years ago. Would like to do the same as we are talking a big sum. Could anybody advise if there is any way to push for reclaiming sharges from more that 6yr ago


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    Default Re: over 6 years

    Hi Rannoch and welcome to CAGicon.

    Read this for starters - http://www.consumeractiongroup.co.uk...hey-wrong.html Then go back to BC and ask for all statements or data that they hold.

    Did you send a SARicon with the £10 fee?

    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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    Default Re: over 6 years

    a couple of years ago a BBC documentary concluded that Barclaysicon had a culture of dishonesty.

    I have just looked at our data disclosureicon poll The Consumer Forums - data disclosure poll
    and I see that already Barclays have disclosed data to people going back to 1995 and also to 1997.

    Draw your own conclusions. Go and get your data.

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  4. #4
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    Default Re: over 6 years

    I'm in the process of pestering BC for data over 6 yearsicon too, so I'll let you know the outcome.


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    Default Re: over 6 years

    After four attempts at getting some info. out for HSBCicon, this is all I ended up with . I did think I was onto something when I was able to get some old (pre 2000) account numbers over the counter at my old local branch.

    Reference FREEPROD/LETOLT

    25 June 2007

    Dear Mr. Lex

    ************** & ***************

    Thank you for your request with regard to information about transactions and charges on your accounts.
    Unfortunately, HSBC only holds this information in the format of bank statements for a period of six years. Our records have indicated that your accounts closed over six years ago.
    As a result, we are unable to supply you with the information you have requested.
    Should you have any further queries regarding this matter, please do not hesitate to contact us

    Yours sincerely

    Angela C Harries Centre Manager

    I clearly asked for 'All information held'

    The SARicon I sent (4 times) was conclusive and can be found on my old 'Beyond 6 yearsicon' thread.

    I really should try again.

    Lex


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    Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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    Default Re: over 6 years

    Thank you all for the responses. Yes I did send the £ 10 which they returned. I shall now press harder - will keep you posted


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    Default Re: over 6 years

    I'd send BC another SARicon. Enclose the £10 fee again and adapt the letter to say you know it is your right to receive this data and their data storage system has been assessed as being covered by the DP Act by the Information Commissioners Office.

    Have this ready to send off if you don't get back what you need - http://www.consumerforums.com/resour...mplate-letters-

    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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  8. #8
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    Default Re: over 6 years

    I sent back the cheque but got letter saying they will not go back before june 2003. That statements are on microfiche from April 3003 to May 2004 and then electronically from then.
    Very annoyed about this as talking thousands between 200 and 2002.
    What should I do now ?


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    Default Re: over 6 years

    Make formal complaint to the ICO.



    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.


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