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.
Hi, pls can anyone help me with my case! I sent a SAR and £10 cheque to Barclaycard for a default Visa account from a few years ago, and also the Morgan Stanley Mastercard I had which they took over.
They replied by firstly sending me a copy of the terms and conditions then a copy of the credit agreement (not the original I signed) and only for my current card, not the old one.
I know I have over £2000.00 worth of charges in particular on my old visa card, so am keen to get my statements and make a claim.
Can anyone help me with what letter to send back to them as I have tried to find the correct one on here but am really confused!!! Thanks!
Hi, pls can anyone help me with my case! I sent a SAR and £10 cheque to Barclaycard for a default Visa account from a few years ago, and also the Morgan Stanley Mastercard I had which they took over.
They replied by firstly sending me a copy of the terms and conditions then a copy of the credit agreement (not the original I signed) and only for my current card, not the old one.
I know I have over £2000.00 worth of charges in particular on my old visa card, so am keen to get my statements and make a claim.
Can anyone help me with what letter to send back to them as I have tried to find the correct one on here but am really confused!!! Thanks!
If they have not complied with your SAR then you need to firstly warn them of the consequences..
There are template letters in the bank templates section HERE for non compliance with subject access requests(letter 18), send one of these off first and then if nothing you'll need to either take them to court for non-disclosure or complain to the ICO (can take around 6 months to investigate )
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.
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.
Hi, after a sending another letter to Barclaycard I have received my statements etc for my current morgan stanley mastercard but they have sent me no info on my old visa card (they have suspended my mastercard "due to the position of my other account").
They have not provided any info for my old account which I am keen to claim back charges of over £2000.00. They have not even acknowledged this account at all yet they have debt collectors chasing me for money.
If you've already sent BC the lba re SAR non-compliance, your next step is to file a court claim against BC seeking an order that they produce the data as required.
Read up on this in Articles 18,19 & 20 in the Bank Teplates Library.
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.
Taperjeangirl -v- Barclaycard, Visa a/c
and £10 cheque to Barclaycard for a default Visa account from a few years ago, and also the Morgan Stanley Mastercard I had which they took over.
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Re: Barclaycard refused subject access request!
Originally Posted by taperjeangirl
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