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.

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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.

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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)


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  1. #1
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    Default Microfiche Success with Barclays?

    Hello All,

    Sorry to get your hopes up.. I'm not posting about a success, rather i am asking if anoyone has had any success.

    So many people on this site are coming up against the microfiche brick wall and i trawled through the posts but no body seems to have had any success. (although there are loads of people who have claimed against Barclaysicon - how did they do it....?)

    What should i do next...? I am not going to throw in the towel, i just need to know what the next step should be.

    The 40 days of the S.A.R - (Subject access requesticon) have not expired yet so i have been thinking about my options - Do I:

    1. Send a letter to them asking them for the information again? Any templates anywhere?

    2. Wait until the 40 days are up and estimate my charges and continue as normal?

    3. Contact the information commisioner with a copy of the Bcard letter and wait? (do i also send a copy of this letter to Barclaycard?)

    4. Scream...

    Does anyone have a good template letter to send to Barclays? Not including the Smith vs Lloydsicon as i think this has been proven not to work. Also the Abbeyicon case seems not to work as Barclays claim they use account numbers where as Abbey use account name.

    The problem i have with estimating is that i know most of my charges originated when i was at university (2000 to 2004) so if i estimate based on my 2004 to 2006 statements then i will be significantly underclaiming...

    Help please...

    Kind Regards,

    John

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  2. #2
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    Default Re: Microfiche Success with Barclays

    We are awaiting the IM's comments after he raided Barclaycrud last week. Hopefully his opinion will be the same as his opinion of Abbeyicon's microfiche argument.

    His opinion is that it was non-existant and that microfiche storage of data is as relevant as data held on computers.


  3. #3
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    Default Re: Microfiche Success with Barclays

    I'm in the same microfiche boat as the rest of us Barclaycrud customers awaiting the 40 day deadline to pass. Once it passes I'm gonna do the complaint thing to the IM and start court action under DPA non-compliance regs, quoting the IM's judgement of Abbeyicon.


  4. #4
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    Default Re: Microfiche Success with Barclays

    Cheers for the reply noomill060, It's good to know other people are in the same boat.

    Have you thought about making an estimated claim?

    Question for all - Has anyone had any success with making an estimated claim?

    John


  5. #5
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    Default Re: Microfiche Success with Barclays

    Quote Originally Posted by spacebug View Post
    Cheers for the reply noomill060, It's good to know other people are in the same boat.
    Shuffle up, as of today I am also in the same boat. I got my letter regarding their Microfiche system today.

    Y

    Credit Cards
    Barclaycard -WON! Amex - WON! MBNA (x2) - WON!
    Mint - WON! Monument - WON! Morgan Stanley - WON!
    Egg - WON! Halifax - WON! Sainsbury's Bank - WON!
    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


    Visit my forum: http://www.planet-watch.org/forum

  6. #6
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    Default Re: Microfiche Success with Barclays

    Yep and I'm another with the "no... you can't have them....there mine" microfiche letter. I tried to send a 2nd letter with some cocky little comments and legal quotes in it but that did'nt work either lol
    My feelings though are that in their letters Barclaysicon state that they are prepared to send copy statements from customer services for £3 each.... so my opinion is that if they indeed have the info in this format then surely that is a "relevent filing system" and should be covered by the data protection act.... would'nt it ??? Therefore the £10 max fee should apply.... and we should all have 6 yearsicon worth of account history.... swerving the microfiche argument altogether.... MOD's your opinion on this would be well recieved also.....

    MrP


  7. #7
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    Default Re: Microfiche Success with Barclays

    Me to same position!


  8. #8
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    Default Re: Microfiche Success with Barclays

    In the same boat aswell!

    Got my letter on Saturday! Is anyone claiming for what they have currently?

    Kingliam


    On behalf of the Ginger one
    Lloyds TSB - 1ST 12/07/06-LBA 26/07/06-MC-14/08/06-Court-31/01/2007
    Halifax - D P A 02/10/06

    On behalf of MumKing
    Barclays Bank D P A 29/08/06

    On behalf of DJ Sunny
    Alliance & Leicester D P A 29/08/06

    On behalf of GrandmaKing
    GE Capital D P A 30/10/06

    Barclays Bank D P A 30/10/06 - 1ST 15/11/06 *Microfiche [problem]


  9. #9
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    Default Re: Microfiche Success with Barclays?

    What is the general consenus on this? What is the the way forward?

    Has anybody actually had any success in getting Barclaycard to
    "cough up*? If so how did you secure your 6 yearsicon of statements?

    Y

    Credit Cards
    Barclaycard -WON! Amex - WON! MBNA (x2) - WON!
    Mint - WON! Monument - WON! Morgan Stanley - WON!
    Egg - WON! Halifax - WON! Sainsbury's Bank - WON!
    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


    Visit my forum: http://www.planet-watch.org/forum

  10. #10
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    Default Re: Microfiche Success with Barclays?

    I will join the gang too. Maybe a bit luckier as I have most of my statements for two accounts for the last 6 yearsicon, just a few gaps, but those were the statements with charges that i ripped up and threw away in exasperation!

    My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

    NatWest Prelim 07.10.206
    LBA 21.10.2006
    MCOL 30.10.2006
    Acknowledgment of Service 06.11.2006
    Offer of approx 50% £2200.00 22.11.2006
    Full settlement £4500 received 03.01.2007
    Smile settled in full
    Barclaycard settled in full
    RBS Worldwide settled in full
    Lloyds TSB settled in full £750.00
    Lloyds TSB settled in Full £275.00 11.04.2007
    Lloyds TSB business account £1376.00 AQ filed
    Lloyds TSB Business account settled in full 21.05.07

  11. #11
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    Default Re: Microfiche Success with Barclays?

    Whats the official word from the CAGicon on the Barclaycard microfiche delaying tactics?

    So far I have spent another £10 and got almost no statements.

    Y

    Credit Cards
    Barclaycard -WON! Amex - WON! MBNA (x2) - WON!
    Mint - WON! Monument - WON! Morgan Stanley - WON!
    Egg - WON! Halifax - WON! Sainsbury's Bank - WON!
    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


    Visit my forum: http://www.planet-watch.org/forum

  12. #12
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    Default Re: Microfiche Success with Barclays?

    Yep, I'm in the same (overcrowded) boat. Got to until December 2nd before the 40 days are up for me. Will be watching with interesticon


  13. #13
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    Default Re: Microfiche Success with Barclays?

    another route to this microfiche crap is to question wether or not this method of processing is actually legal.

    In a nutshell, BarclayCard have destroyed personal dataicon at least twice (including backup) by removing it from a computer system. They have modified data by changing its structure into 'date order' in order to move it to a microfiche. They have done all this without explicit consent. They have done this form of processing without following the the conditions of processing (first principle of Data Protection Act) making it legally unfair.

    There are probably others that i don't know about. Im researching this and am about to send my next letter


  14. #14
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    Default Re: Microfiche Success with Barclays?

    Barclaycrud's 40 days ran out today. No reply to the CCA s.77 request.

    OK Barclaycrud, if you wanna take the ****- you're on. I can do it better and Ive nothing to lose, so nothing you can take.

    **Drops sensible 43 year old persona, revealing the long suppressed teenage punkrocka with more vindictive bile and attitude than Sid Vicious at a Conservative Party conference during a speech by Mrs Thatcha**

    Now wez me Vivien Westwood Pistols T shirt (ebayicon value £400) , tartan bondage jeans dayglo purple socks and yellow brothel creepers

    Oi-you lookin' at me, Townsend? Giz me statements or I'll-I'll-I'll-errrrrr......












    write a really nasty letter to the Information Commissioner!


    Anarchy for the UK- its coming sometime- maybe!


  15. #15
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    Default Re: Microfiche Success with Barclays?

    Me too, a bit ****ed that they could not supply those statements, I will wait the 40 days and issue a complaint to the Info Commissioner.

    Kingliam


    On behalf of the Ginger one
    Lloyds TSB - 1ST 12/07/06-LBA 26/07/06-MC-14/08/06-Court-31/01/2007
    Halifax - D P A 02/10/06

    On behalf of MumKing
    Barclays Bank D P A 29/08/06

    On behalf of DJ Sunny
    Alliance & Leicester D P A 29/08/06

    On behalf of GrandmaKing
    GE Capital D P A 30/10/06

    Barclays Bank D P A 30/10/06 - 1ST 15/11/06 *Microfiche [problem]


  16. #16
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    Default Re: Microfiche Success with Barclays?

    Ive just recieved same response with stats only going back to 2004.
    If I buy the extra stats at £3 each (quite expensive!) can I claim it back? Has anyone else done that?



    NatWest £4940 with contract interest prelim sent 13/11/06
    Recieved first bogoff letter 18/11/06

    HSBC £320 with contract interest, prelim sent 12/11/06

    Natwest Visa £825 with contract interest, prelim sent 15/11/06

    Barclaycard S.A.R - (Subject Access Request) 7/11/06

    MBNA S.A.R - (Subject Access Request) 7/11/06

    Shell Visa S.A.R - (Subject Access Request) 15/11/06

    Amex S.A.R - (Subject Access Request) 7/11/06

  17. #17
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    Default Re: Microfiche Success with Barclays?

    My view on this is..........

    1. If they can supply copy sttatements for £3 each then the info is easily accessed in a "relevent filing system" regardless of this microTHICK bull **** !

    2. If the OFT ruled that the Abbeyicon MicroTHICK system was such then obviously ALL other high street banks should come under the same ruling because it the same software/database system

    3. Most importantly..... Hackers75...... your 40 day notice on the 2nd December deadline is not the most inportant thing happening..... Tis my B'day !!!!!!!!!!


  18. #18
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    Default Re: Microfiche Success with Barclays?

    Is it better just to pay the £3 for each stat and just claim the cost back in the claim?



    NatWest £4940 with contract interest prelim sent 13/11/06
    Recieved first bogoff letter 18/11/06

    HSBC £320 with contract interest, prelim sent 12/11/06

    Natwest Visa £825 with contract interest, prelim sent 15/11/06

    Barclaycard S.A.R - (Subject Access Request) 7/11/06

    MBNA S.A.R - (Subject Access Request) 7/11/06

    Shell Visa S.A.R - (Subject Access Request) 15/11/06

    Amex S.A.R - (Subject Access Request) 7/11/06

  19. #19
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    Default Re: Microfiche Success with Barclays?

    I have made a claim through the courts based on an estimate. When filling out the allocation questionnaireicon there is a box for you to fill asking what you need from the defendant (Barclaycard). I put I need the statements from 2001 - date, and the Judge has ordered Barclaycard to give them to me (obviously FOCicon)

    Saved myself a lot of time and money this way

    Abbey - owed £3260 - Paid up.

    Barclays owed £2500 - Paid up.

    Halifax, Mint & Egg - next on the hit list

    Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

  20. #20
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    Default Re: Microfiche Success with Barclays?

    i have had the letter today, telling me that their "computer system does not allow them to print out transactions on your account to date" but as it is microfiched o can have statement copies for £3 per copy!
    i will send the letter used at Abbeyicon to rebuff their request for extra money.... they have had enough from me for the last 2 years in charges so here goes....cough up barclaycard... or else I'm a coming
    I hope they read this, as i am serious




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