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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. #1
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    a2222 Novitiate

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    Default barclays vs girlfriend

    am helping my missus claim some cash back from Barclaysicon... sent of the data protection act request to their head office requesting statements and a summary of charges... and, get this... the cheque was returned, with a letter saying they are not refunding any charges!!

    one more letter, then Im on to the data protection Ombudsmanicon!

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  2. #2
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    Default Re: barclays vs girlfriend

    Did you send the standard DPA/SARicon letter?
    And, they said they wouldn't refund charges even before you'd asked?

    If yes to both, it is indeed interesting - it smells as if Barclaysicon are beginning to panic.

    Oh dear, oh dear. Ha!!

    Victimnomore
    By day, quiet unassuming bank customer - but, by night, .. .. .. .. ..
    Barclays Case1
    14/03/07 **WON** FULL settlement £3358.39
    Barclays Case2
    08/09/08 Prelim: please give me my £187.91 back.
    Halifax Case1
    14/03/07 **WON** Refunded £728 (including £54 costs)
    Halifax Case2
    08/09/08 Prelim: please give me my £268.24 back.

  3. #3
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    Default Re: barclays vs girlfriend

    Quote Originally Posted by victimnomore
    Did you send the standard Data Protection Act/S.A.R - (Subject access requesticon) letter?
    And, they said they wouldn't refund charges even before you'd asked?

    If yes to both, it is indeed interesting - it smells as if Barclaysicon are beginning to panic.

    Oh dear, oh dear. Ha!!
    yep!!

    now just sending a the 7 day letter before I take court action (from templates section)

    & a copy of the original SARicon request / £10 cheque... so lets see what comes back from this one


  4. #4
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    Default Re: barclays vs girlfriend

    That's it, keep them under pressure!

    Victimnomore
    By day, quiet unassuming bank customer - but, by night, .. .. .. .. ..
    Barclays Case1
    14/03/07 **WON** FULL settlement £3358.39
    Barclays Case2
    08/09/08 Prelim: please give me my £187.91 back.
    Halifax Case1
    14/03/07 **WON** Refunded £728 (including £54 costs)
    Halifax Case2
    08/09/08 Prelim: please give me my £268.24 back.

  5. #5
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    Default Re: barclays vs girlfriend

    Interesting. I just sent my letter / SARicon off.

    Barclays :- Settled March 07:o

    RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???)
    Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

  6. #6
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    Welshman Informative Welshman Informative Welshman Informative

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    Default Re: barclays vs girlfriend

    Andy, this seems like a very odd response to you just asking for the initial information. They're jumping the gun big time. Have you got a scanner or can you type out, word for word, just the relevant part of the letter?


  7. #7
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    Default Re: barclays vs girlfriend

    Quote Originally Posted by Welshman
    Andy, this seems like a very odd response to you just asking for the initial information. They're jumping the gun big time. Have you got a scanner or can you type out, word for word, just the relevant part of the letter?
    unfortunately, as I am doing this one on behalf of my girlfriend, she had forgotten I'd said I was doing it and threw the letter away. But they definitely sent the cheque back, and the summary was basically that they were not going to provide details of the fees as they were legal and they had no intention of refunding them!

    if she can find the letter I will copy it up here.


  8. #8
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    Default Re: barclays vs girlfriend

    Sending the cheque back is normal. But, they have a legal duty to supply any information they hold on you as the S.A.R. letter you sent clearly asks.


  9. #9
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    Default Re: barclays vs girlfriend

    Ill let you know what I get in the post mate Hopefully Ill hear something this week.

    Barclays :- Settled March 07:o

    RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???)
    Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

  10. #10
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    Default Re: barclays vs girlfriend

    court threat worked a treat.... got copies of ALL previous statements by return of post!!! Just putting together the statement of charges and lbaicon letter.


  11. #11
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    Default Re: barclays vs girlfriend

    It's not lbaicon first, it's the preliminary approach letter - here: http://www.consumeractiongroup.co.uk...-approach.html

    LBA is in 14 days time.


  12. #12
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    Default Re: barclays vs girlfriend

    OK, I got a reply today.
    It looks to be the same reply as andybirds.
    They are saying
    "they are under no obligation to present info according to any particular format. Therefore, your request to assemble a schedule of charges is turned aside. You may of course obtain this data from copy statements which will be sent to you in the next few weeks without charge on this occasion. (Goes on to say about chq not req and returned) Please be aware that some statements info arising from period prior to and possibly between 1999 and 2000 is manually stored in the form of microfische and does not fall within the data subject access provisions of the DPA."

    Ill type the rest up if required (scanner not working atm). It mentions about manual intervention and the DPA not obliging the bank to comment about internal policies and procedures. And that for managing day to day transactions from out of order accts, the bank does not hold the info requested in a form that would be covered by the DPA.

    Hope that helps those concerned

    Barclays :- Settled March 07:o

    RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???)
    Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

  13. #13
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    Default Re: barclays vs girlfriend

    cheers welshman... was getting a bit ahead of myself!!

    Fullyskinted... This is what I sent when they refused to send me statements... I also enclosed the original data request.... this soon pulled them into line!!

    letter before actionicon
    Section 7 – Data Protection Act 1998

    Dear Sir/Madam

    ACCOUNT NUMBER: Account Number: xxxxxx / Sort Code: xxxxx

    You have failed to comply with my Data Protection Act Subject access requesticon dated 10 August 2006.

    If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

    The aforemention Data Protection Act Subject access requesticon is enclosed, as is a further cheque for £10.

    Yours faithfully,


  14. #14
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    Default Re: barclays vs girlfriend

    ok... worked out the charges and sent my preliminary request... got a nice letter back saying that they are looking at it but it could take up to 8 weeks... am thinking that the best course will be to straight follow up with a letter before actionicon giving them a further 14 days to respond positively...


  15. #15
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    Default Re: barclays vs girlfriend

    Quote Originally Posted by andybird
    ok... worked out the charges and sent my preliminary request... got a nice letter back saying that they are looking at it but it could take up to 8 weeks... am thinking that the best course will be to straight follow up with a letter before actionicon giving them a further 14 days to respond positively...
    LOL, I think my letter came off the same PC as yours. Arrived late last week. Im gonna give them the 14 days, then send the LBA too.

    Good luck.

    Barclays :- Settled March 07:o

    RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???)
    Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

  16. #16
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    Default Re: barclays vs girlfriend

    Quote Originally Posted by Fullyskinted
    LOL, I think my letter came off the same PC as yours. Arrived late last week. Im gonna give them the 14 days, then send the lbaicon too.

    Good luck.
    I've just re-read the preliminary letter giving them 14 days to respond positively... this letter although fairly pleasant certainly doesnt count as a positive response so Im not going to wait another 14 days... Im gonna send the LBA tommorow!! That gives them another 14 then it's court

    so let's see if the LBA speeds them up!!


  17. #17
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    Default Re: barclays vs girlfriend

    Quote Originally Posted by andybird
    I've just re-read the preliminary letter giving them 14 days to respond positively... this letter although fairly pleasant certainly doesnt count as a positive response so Im not going to wait another 14 days... Im gonna send the lbaicon tommorow!! That gives them another 14 then it's court

    so let's see if the LBA speeds them up!!
    Fair point! I hadnt thought of that!

    Hmmmmm, Im in work (where there is a printer) tomorrow night...

    Barclays :- Settled March 07:o

    RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???)
    Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

  18. #18
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    Default Re: barclays vs girlfriend

    Been offered £410 by them.

    Gonna send a letter today rejecting the offer and enclosing a full schedule of charges + interesticon and giving them 7 days before I file a court claim.

    will keep you informed!


  19. #19
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    Default Re: barclays vs girlfriend

    Quote Originally Posted by andybird View Post
    Been offered £410 by them.

    Gonna send a letter today rejecting the offer and enclosing a full schedule of charges + interesticon and giving them 7 days before I file a court claim.

    will keep you informed!

    What did you claim for then - amount wise?

    I claimed for just over £3k and was offered £1k. I havent reponded as yet (or put a money claim in) as Ive been waaaaay too busy sorting out other stuff(s).

    I think Ill follow your lea though and sort it out this week...

    Good work!

    Barclays :- Settled March 07:o

    RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???)
    Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

  20. #20
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    Default Re: barclays vs girlfriend

    I cant believe just how STANDARD Barclaysicon are!
    The letters mentioned above arethe EXACT ones, word for word, that we had!



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