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.
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
Received today a set of statements going back to May 2004. The rest are scattered randomly on microfiches, apparently. I think this is codswallop and Barclaycard are trying to wriggle out of the Data Protection Act. Will do some more reading in this forum and see how others have faught this tactic. Am inclined to send my Prelim for the period I now know about (£300 charges + interest), and remind them to comply with the Data Protection Act at the same time. It's just a nonsense, as others have commented, because in the same breath as saying that all these older statements are stored chronologically and not by customer (and, by implication, that it would be like finding a number of needles in a huge haystack to retrieve mine), they say that statements from this very filing system are available for £3 a throw!
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
OK, just finished my research into the microfiche argument and studied the statements I do have, in detail. The missing statements relate only to my first Barclaycard, which was paid off in 2004. I got another Barclaycard a few months later, and I now have a complete record of that new card's transactions.
So I have written two letters. The first, a Data Protection Act non-compliance letter from the library, relates to Barclaycard #1. The second, a preliminary request for repayment of charges, relates to Barclaycard #2. So quite handily I can pursue each card separately. I hope to get my mother to post both letters tomorrow, Fri 8th, by Recorded Delivery while I am at work.
I am satisfied that Barclaycard do not have a leg to stand on as regards the dreaded microfiche: if the filing system is 'relevant' enough to produce statements on request for £3 a time, then surely it is relevant enough to satisfy the Data Protection Act's requirements?
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
Neily vs Barclaycard
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