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.
Am I right in thinking that at some stage, after requests and LBAs etc Barclaycard usually comes back with an offer of settlement, or 'gesture of good will' of an amount that is equal to the difference between the OFT figure and your charges?
If so, we can assume that they trawled their devilishly complex and totally unorganised microfiche archives for all our charges in order to make the calculation (unless they're making it up/concealing the real figure), yes?
Therefore, they must now have a paper or computer record of all the charges...It may not have dates, which could be a problem for working out interest, but they surely must make a record...So, since it will have our names all over it or some kind of reference to our accounts, am I not correct in believing that it is now part of a relevant data system and a list of OUR transactions, OUR data, even if the transactions only happen to be charges...So surely it's covered by the Data Protection Act...So surelywe can request them...I don't think they can write back and say 'sorry, we burnt that information as soon as writing your letter'...
I tried this, and they wrote back, ignoring my specific comments and again stating that they can't provide the data...But that's to be expected...If you were to include that as part of a Data Protection Claim which some people are doing, or even if you just threatened to do so explaining how stupid they'd look if they still were to refuse...It might work?
How to get your list of charges
' of an amount that is equal to the difference between the OFT figure and your charges?
, but they surely must make a record...So, since it will have our names all over it or some kind of reference to our accounts, am I not correct in believing that it is now part of a relevant data system and a list of OUR transactions, OUR data, even if the transactions only happen to be charges...So surely it's covered by the Data Protection Act...So surelywe can request them...I don't think they can write back and say 'sorry, we burnt that information as soon as writing your letter'...
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