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.
Im trying to get hold of my Barclaycard account number as i shut the account down and even though i remembered my login to the internet site it only states "account ending in XXXX" So after sending a secure email and then being told to ring customer services i got nowhere. The customer service woman wanted to know what i wanted my account number for etc etc so i eventually told her i needed it to send a S.A.R. and she said she didnt know what one of those was???hmmm yeah right, she even said she could set up a new account for me with a new card etc. hahaha, anyways i now have to write to Barclaycard PO BOX 5592 in Northhampton to get my blimming account number. Why oh why didnt i keep a statement!!
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
Send in the SAR letter along with a copy of proof of identity (passport, driving licence etc) and if you are still residing at the same address a utlity bill.
Lloyds TSB - £972
S.A.R, prelim and LBA sent
Claim acknowledged
Defence received
AQ 20/06/06 ***FULL SETTLEMENT RECEIVED 20/07/06***
Woolwich - £2288
S.A.R, prelim and LBA sent.
Offered half
Moneyclaim filed online 02/08/06
Judgement filed online 23/08/06
WARRANT FILED ONLINE 30/08/06
MONEY RECEIVED BY BALIFF 04/10/06 ***FULL SETTLEMENT RECEIVED 09/10/06***
Smile - £175
Pelim 23/06/06 ***FULL SETTLEMENT RECEIVED 07/07/06***
My Ex vs Woolwich - £715
S.A.R sent 30/08/06
Pelim 06/10/06
LBA 20/10/06
Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Oo i hadnt thought of that, will look tonight!
Thanks
Nadia.
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
Send in the S.A.R - (Subject access request) letter along with a copy of proof of identity (passport, driving licence etc) and if you are still residing at the same address a utlity bill.
__________________
Great, even better! That i can do now as i have passport and utility bill copies on my desk! Thankyou.
Nadia.
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
Lloyds TSB - £972
S.A.R, prelim and LBA sent
Claim acknowledged
Defence received
AQ 20/06/06 ***FULL SETTLEMENT RECEIVED 20/07/06***
Woolwich - £2288
S.A.R, prelim and LBA sent.
Offered half
Moneyclaim filed online 02/08/06
Judgement filed online 23/08/06
WARRANT FILED ONLINE 30/08/06
MONEY RECEIVED BY BALIFF 04/10/06 ***FULL SETTLEMENT RECEIVED 09/10/06***
Smile - £175
Pelim 23/06/06 ***FULL SETTLEMENT RECEIVED 07/07/06***
My Ex vs Woolwich - £715
S.A.R sent 30/08/06
Pelim 06/10/06
LBA 20/10/06
Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
So excited, sent S.A.R on Friday recorded delivery.
should have recieved it by now eh? I will start my countdown.
Nadia.
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
Check the Royal Mail website to make sure it's been received.
Lloyds TSB - £972
S.A.R, prelim and LBA sent
Claim acknowledged
Defence received
AQ 20/06/06 ***FULL SETTLEMENT RECEIVED 20/07/06***
Woolwich - £2288
S.A.R, prelim and LBA sent.
Offered half
Moneyclaim filed online 02/08/06
Judgement filed online 23/08/06
WARRANT FILED ONLINE 30/08/06
MONEY RECEIVED BY BALIFF 04/10/06 ***FULL SETTLEMENT RECEIVED 09/10/06***
Smile - £175
Pelim 23/06/06 ***FULL SETTLEMENT RECEIVED 07/07/06***
My Ex vs Woolwich - £715
S.A.R sent 30/08/06
Pelim 06/10/06
LBA 20/10/06
Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Well Royal mail showed nothing for Barclaycard but unbeleivably i had a response from them today. They dated the letter 25th Sept 06 so they must be sitting there with letters to go out to everyone.
Its the usual microfiche argument, blah blah, nothing before sept 2004. Even though i can get hold of the statements if i pay??
Trouble is i knew that there would be no info post 2004 as i paid the damn thing off ages ago but i wanted to get the stuff pre 2004 as thats when i paid fees etc. So i cant even assume what i paid based on what they have sent me.
Im gonna have to get on with second bit now then. Im assuming thisis the letter before action Section 7 – Data Protection Act 1998 in the templates library?
Ive searched for hours through all the microfiche stuff and my head now hurts! No wonder they put so many people off with this argument.
Nadia.
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
Right letter to Mr Richardson (cust. relations manager) has been filled and im posting tommorow. Even though i know i will get the microfiche argument again!
Nadia.
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
As expected the letter has been passed to a Carol Jones Cust. relations manager who informed me that copy statements are stored on microfiche etc etc but for £3 a copy statement i can get the info???? Agrhhh, do you think they have a smirk on their faces as they print these letters out?
Im not sure what is next now, the letter to the financial obudsman? Problem with me is i closed the account pre 2004 so i cant estimate any charges. Any advice?
Nadia.
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
Lloyds TSB - £972
S.A.R, prelim and LBA sent
Claim acknowledged
Defence received
AQ 20/06/06 ***FULL SETTLEMENT RECEIVED 20/07/06***
Woolwich - £2288
S.A.R, prelim and LBA sent.
Offered half
Moneyclaim filed online 02/08/06
Judgement filed online 23/08/06
WARRANT FILED ONLINE 30/08/06
MONEY RECEIVED BY BALIFF 04/10/06 ***FULL SETTLEMENT RECEIVED 09/10/06***
Smile - £175
Pelim 23/06/06 ***FULL SETTLEMENT RECEIVED 07/07/06***
My Ex vs Woolwich - £715
S.A.R sent 30/08/06
Pelim 06/10/06
LBA 20/10/06
Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
yes but the letter won't work as Barclaycard won't give in over this. Better to pay for the statements and then claim the money back when it goes to court.
_________________________ ________________ Alliance & Leicester MBNA Credit Card
Data Protection Act letter sent 3 July 2006.
Incomplete list of charges received 12 August 2006
Requested repayment of charges 10 November 2006
LBA sent 24 November 2006 Estimated £4650 in fines and interest. Barclaycard
Data Protection Act letter sent 3 July 2006.
Incomplete statements sent 9 July 2006
Requested repayment of charges 14 August 2006
LBA sent 30 August 2006 Estimated £468 in fines and interest.
Initiated claim at MCOL 20 September 2006 Claiming £615.47 including fines & interest, s69 interest and costs
Claim acknowledged 10 October 2006
Defence filed 20 October 2006
Settled in full £640 total. 14 December 2006 Vodafone
Requested Default Notice removed 10 July 2006
Received letter agreeing to request 10 August 2006
I have sent them the lba letter instead closey as suggested in the templates section "Data Protection Act - Non-Compliance - Template Letters" using scenario 1, template 1. and still got the same message re microfische.
Does anyone know what sort of costs will be involved in paying for copy statements? I mean what are we talking her £3 per page? or monthly statement?
Nadia.
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
_________________________ ________________ Alliance & Leicester MBNA Credit Card
Data Protection Act letter sent 3 July 2006.
Incomplete list of charges received 12 August 2006
Requested repayment of charges 10 November 2006
LBA sent 24 November 2006 Estimated £4650 in fines and interest. Barclaycard
Data Protection Act letter sent 3 July 2006.
Incomplete statements sent 9 July 2006
Requested repayment of charges 14 August 2006
LBA sent 30 August 2006 Estimated £468 in fines and interest.
Initiated claim at MCOL 20 September 2006 Claiming £615.47 including fines & interest, s69 interest and costs
Claim acknowledged 10 October 2006
Defence filed 20 October 2006
Settled in full £640 total. 14 December 2006 Vodafone
Requested Default Notice removed 10 July 2006
Received letter agreeing to request 10 August 2006
yes but the letter won't work as Barclaycard won't give in over this. Better to pay for the statements and then claim the money back when it goes to court.
Has anyone actually done this as to me it would be a service which
can't be claimed on.
Ok Non compliance letter was a no go again! Im really considering paying for the statments now. What would 3yrs of statements amount too? any ideas?
and again as too strong asked has anyone actually won these costs back?
Im sending off the complaint to the ICO now me thinks, so should i wait for a response from them first or just bow down and pay for the statements?
I was hoping the Abbey fiche argument might have rattled barclaycard but nope it hasnt!
Nadia.
------------------------------------------------ Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray! Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06. Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07. Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.
This gives them a further 7 days before you start court proceedings to get an enforcement order against them.
You do win your costs back, however I really wouldn't pay the £3 per statement. You need to show them you mean business.
Lloyds TSB - £972
S.A.R, prelim and LBA sent
Claim acknowledged
Defence received
AQ 20/06/06 ***FULL SETTLEMENT RECEIVED 20/07/06***
Woolwich - £2288
S.A.R, prelim and LBA sent.
Offered half
Moneyclaim filed online 02/08/06
Judgement filed online 23/08/06
WARRANT FILED ONLINE 30/08/06
MONEY RECEIVED BY BALIFF 04/10/06 ***FULL SETTLEMENT RECEIVED 09/10/06***
Smile - £175
Pelim 23/06/06 ***FULL SETTLEMENT RECEIVED 07/07/06***
My Ex vs Woolwich - £715
S.A.R sent 30/08/06
Pelim 06/10/06
LBA 20/10/06
Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.