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

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    peter534 Novitiate peter534's Avatar

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    Question The Microfiche Reply

    Does anybody know of the correct response to send to the microfiche reply that barclaycard send out to a Subject access requesticon?

    I have thought about tweeking "Allan's Letter" that people send in response to Abbeys microfiche response, however the Abbeyicon do say that they will send them in due course and barclaycard suggest that they will make no attempt.

    Would be gratefull to know if anybody has replied to this response sucsessfully and had the full 6 yearsicon worth of data sent.

    Any suggestions would be greatly appreciated.

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  2. #2
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    simon.woodhouse Novitiate

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    Default Re: The Microfiche Reply

    I think I am just going to tweek the Abbeyicon letter. I'll do it on my luch break to see how it sounds. If its ok I'll post it here for people to take apart and then hopefully I'll have a bonza letter to send them!!

    This is the best news I've had all day!!


  3. #3
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    Default Re: The Microfiche Reply

    I was thinking about including the letter in the sticky section from the commisioners office. What do people think?



    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

  4. #4
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    Default Re: The Microfiche Reply

    I included it today as an attachment to my tweeked version of "Allan's Letter". It all fits together quite well. Will kep you all informed of any response.


  5. #5
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    Default Re: The Microfiche Reply

    Hi all.

    I have already sent the microfiche argument letter to Barclaycard and got nowhere with them. Below is my response from them.

    Dear Miss Spotnot (actually I'm Mrs Spotnot)

    Further to your correspondence with Carl Nuttall, I am sorry that we have been unable to resolve this matter to your satisfaction.

    Our complaints process has been exhausted (I didn't complain, just sent my S.A.R - (Subject access requesticon) plus 1 other letter) and for the purpose of referring your complaint to the Financial Ombudsmanicon Service, you may consider this letter to be the Bank's 'Final Response'.

    Our understanding of your complaint

    You remain unhappy that Barclaycard is unwilling to provide you with copy statements of your account prior to May 2004 under Subject Access provisions of the Data Protection Act (no s**t, Sherlock)

    Background to the events leading to your complaint

    You submitted a Subject access requesticon to Barclaycard requesting information on the charges you had incurred. (Yup)

    You were provided with copy statements from May 2004 (Yup)

    Unfortunately Barclaycard were unable to provide you with statements prior to MAy 2004 pursuant to your Subject Access Request as their records before this date are not "readily accessible" within the meaning of the DAta Protection Act. (Hmmmm I think you and the Information Commissioner should have a chat!). These statements are not stored by reference to customer name of account number and are not retained in a relevant filing system, they therefore do not fall within the class of documents to be produced.

    As previously advised, additional statements are retrievable at a cost of £3 per copy. (So they can be accessed!)

    If you remain dissatisfied (you're damn right I'm still dissatisfied), you may be eligible to refer to the Financial Ombudsman Service (Oh, you don't say!). I enclose a leaflet which I hope you will find helpful. If you wish to have you (note the typoicon, theirs not mine) complaint reviewed by the service, you will need to contact them within six months of the date of this letter.

    Yours sincerely


    Liz Pickering
    Assistant to Director
    Barclaycard Directors Office

    Case Manager: Carl Jones
    Telephone : 0161 200 7159


    I've sent an lbaicon on 28 November but I'm going to make an estimated claim for the charges as well.

    Good luck to you all, I hope you get a more favourable reply than I did!



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    Default Re: The Microfiche Reply

    Read this, the Information Commissioner have told Barclaycrud they are in breach of DPA and to comply with SARs and are encouraging those microfished to persue Barclaycrud for damages.

    I wonder if we should include this action in with our action to reclaim charges etc?

    http://www.consumeractiongroup.co.uk...hey-wrong.html



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE