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.
have had the standard bog off - microfiche letter from BC today...... and am planning to send this letter.....anyone see a problem with this letter?
matt
Customer Relationship Manager Barclaycard PO Box 599 Manchester M60 3NF
Monday, 20 November 2006
Data Protection Act disclosure request
Dear Mr xxxxxxx,
Account Number: xxxx - xxxx - xxxx -xxxx I am in receipt of your letter dated 15th November 2006, outlining that you database only allows you to provide me with printouts covering recent transactions on my account, and that any earlier information has been archived onto microfiche. I also acknowledge receipt of the information you forwarded for period 07 Jun 2004 to date
My request was for a complete list of transactions and charges relating to my account since the account was opened – in short, a list of charges with dates and amounts – alternatively, a complete set of account statements for that period will be acceptable. This should be retrievable from your accounting systems, and easy for you to produce. I will accept a computer print out of these transactions.
I understand that your microfiche system was recently inspected by a team from the Information Commissioners Office, and that they are likely to rule that your system is a Relevant Filing System under the terms of the Data Protection Act, in a similar manner to their recent ruling at Abbey National plc, who also use a microfiche system. I therefore expect you to fully comply with my request within the prescribed 40-day timescale.
This letter has been sent by first class recorded delivery, and therefore should have reached you by 22nd November 2006 – as you will be aware, as of this date you have just 26 days in which to comply with my request. As stated above, a complete set of account statements for the period in question will be acceptable; however, I expect this to be provided within the time period for Data Protection Act compliance.
Should there be any further attempts to delay compliance, I will be left with no alternative but to commence a county court action under section 7, and section 15(2) of the Data Protection Act 1998, and in due course, escalate this matter into an official complaint to the Information Commissioner and the FSA.