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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Barclays breach of the Data Protection Act


BankFodder
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Now that Barclays has been found by the information Commissioner to be in breach of their data protection obligations,, there must be many people who have been waiting a very long time for disclosure of their personal data and who are now able to receive it.

 

I suggest that anyone who has not yet received their subject access request disclosure from Barclays should write an abrupt letter to the bank and make it clearthat as they have been in violation of their data protection act duties for some time, that you will wait no longer and that if they do not make the disclosure within seven days you will applied to the court for an order.

 

As usual, only make this threat if you are prepared to carried out. However please understand that this is a 100% winner and that you will recover your costs as well without any problem.

 

If you are one of the many people who have had to endure the strutting arrogance of Barclays bank and their flawed opinion as to their duties under the Data Protection Act which presumably has been fed to the bank by the people who pass for their legal advisers, then you may decide that this is the moment to begin your action and to force the bank now to retreat from a position which to the rest of the world was quite clearly wrong and which one can only imagine might have been adopted by the bank in order to frustrate the legitimate claims of their own customers.

 

This is the industry which is trying to persuade the country that it can be trusted enough to regulate its own affairs!

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I read the sticky about Barclaycard microfiche being relevant, however does this really mean the whole Barclays system? Or just Barclaycard?

Halifax

S.A.R - (Subject Access Request) request sent - 14th September

Non-compliance letter- 26th October

Prelim sent-3rd November

LBA sent - 21st November

Settlement rejection offer sent- 28th November

N1 form filed 8th December

PAID IN FULL:D

Barclays

S.A.R - (Subject Access Request) request sent - 26th October

Barclays Acknowledged letter and sent back P.O - 1st November

Barclays sent out statement. Jan-Mar 01 is missing.

Letter for missing statements sent 14th Nov

Barclays sent letter claiming microfiche data

Letter sent back claiming data again 28th November

Non compliance letter sent 8th Dec

Prelim sent-18th January.

LBA sent Pending

Moneyclaim made-Pending

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I suggest that anyone who has not yet received their subject access request disclosure from Barclays should write an abrupt letter to the bank and make it clearthat as they have been in violation of their data protection act duties for some time, that you will wait no longer and that if they do not make the disclosure within seven days you will applied to the court for an order.

 

As usual, only make this threat if you are prepared to carried out. However please understand that this is a 100% winner and that you will recover your costs as well without any problem.

I sent such a letter off yesterday, and I AM prepared to take it to court. One thing bothers me slightly - what am I taking them to court FOR? Am I seeking a ruling that they are in breach of the Act and MUST handover relevant information?

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I received on 2 years information from Barclaycard (for a visa and a mastercard) I know that I had problems in 2003/2004 which they said they could not send me. Do they now have to supply this information. I have held off as I was not sure how to approach for the 2003/2004. Anyone have any advice?

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Read this, it should make disturbing reading for Peter Townsend (DATA CONTROLLER OF BARCLAYS BANK if Judge Forrester is reading) assuming he doesnt want become a guest of Her Majesty.

 

http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=43&Itemid=2

 

 

Non disclosure imprisonment threat against RBS Data Controller! pdf_button.png printButton.png emailButton.png

A Consumer Action Group User was today (21/11/06) granted a County Court order in respect of the failure by the Royal Bank of Scotland to comply with his disclosure request under the Data Protection Act.

District judge Forrester, making the order commented that had the claimant been able to supply him with the name of the data controller

at the Royal Bank of Scotland that he would have added a threat of imprisonment for non-compliance.

 

The Royal Bank of Scotland now has until January 2007 to comply with the users subject access request. The District Judge has indicated that if the Bank has not complied with the order by that time that he may make an order for imprisonment of the RBS Data controller.

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Hi Bankfodder,

 

Done just what u said [ see my other posts ]and lo and behold "all statements are in the post "BUT "might take a few weeks."

 

How long should I give them?

 

Happy Christmas Barclaycard!

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

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If "all statements are in the post" why might it take "a few weeks"?

 

If the boot was on the other foot, they would have no hesitation in dragging you into court.

 

What do you imagine their response to "Its in the post but it might take a few weeks" would be?

 

As is oft said on this site, YOU set the timescales, not the banks.

 

Start proceedings immediatley.

 

(A mention to Peter Townsend that the RBS data controller is facing imprisonment due to non-compliance may induce a sufficiently unpleasant sphincta contraction for him to comply)

 

 

What ever you do, Peter, dont go into the greenhouse. :eek:

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please see my posting on the INvestor in people "angle"

Tam Wing Chuen -v- Bank of Credit and Commerce Hong Kong Ltd [1996] 2 BCLC 69

 

1996

PC

Lord Mustill Commonwealth,

 

Lord Mustill discussed the need to construe a contract contra preferentem: "the basis of the contra proferentem principle is that the person who puts forward the wording of a proposed agreement may be assumed to have looked after his own interests, so that if words leave room for doubt about whether he is intended to have a particular benefit there is reason to suppose that he is not."

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Hi All - ive just received a letter from Barclaycard acknowledging the position of the OFT re the Microfich argument, although they "reserve their position" in this regard, but as "a gesture of goodwill" they are now going to supply all of my information and I will receive it within 28 days. Unfortunately for them their 40 days expired yesterday so im moving on with an estimated claim and then proceedings.

 

Intersting to see that they are now relenting - anyone else got one of these letters? If not, its from Tracey Burgess, Customer Relationship Manager at their Manchester address.

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Hi All - ive just received a letter from Barclaycard acknowledging the position of the OFT re the Microfich argument, although they "reserve their position" in this regard, but as "a gesture of goodwill" they are now going to supply all of my information and I will receive it within 28 days. Unfortunately for them their 40 days expired yesterday so im moving on with an estimated claim and then proceedings.

 

Intersting to see that they are now relenting - anyone else got one of these letters? If not, its from Tracey Burgess, Customer Relationship Manager at their Manchester address.

 

 

how about making sure unless they offer you "extra compensation" you make sure the complaint goes to the ombudsman ( costing them money)

they have "played dirty" ........

 

also the matter could be referred to investors in people -----

see my posting

 

 

http://www.consumeractiongroup.co.uk/forum/newreply.php?do=newreply&p=436070

Tam Wing Chuen -v- Bank of Credit and Commerce Hong Kong Ltd [1996] 2 BCLC 69

 

1996

PC

Lord Mustill Commonwealth,

 

Lord Mustill discussed the need to construe a contract contra preferentem: "the basis of the contra proferentem principle is that the person who puts forward the wording of a proposed agreement may be assumed to have looked after his own interests, so that if words leave room for doubt about whether he is intended to have a particular benefit there is reason to suppose that he is not."

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  • 3 weeks later...
Now that Barclays has been found by the information Commissioner to be in breach of their data protection obligations,, there must be many people who have been waiting a very long time for disclosure of their personal data and who are now able to receive it.

 

I suggest that anyone who has not yet received their subject access request disclosure from Barclays should write an abrupt letter to the bank and make it clearthat as they have been in violation of their data protection act duties for some time, that you will wait no longer and that if they do not make the disclosure within seven days you will applied to the court for an order.

 

As usual, only make this threat if you are prepared to carried out. However please understand that this is a 100% winner and that you will recover your costs as well without any problem.

 

If you are one of the many people who have had to endure the strutting arrogance of Barclays bank and their flawed opinion as to their duties under the Data Protection Act which presumably has been fed to the bank by the people who pass for their legal advisers, then you may decide that this is the moment to begin your action and to force the bank now to retreat from a position which to the rest of the world was quite clearly wrong and which one can only imagine might have been adopted by the bank in order to frustrate the legitimate claims of their own customers.

 

This is the industry which is trying to persuade the country that it can be trusted enough to regulate its own affairs!

 

Are you referring to default removals here? I've just sent off the template to Barclays Bank telling them that I have no recollection of ever receiving a default and would like further information. I've included a £1 postal order. It's been nearly a week and i've heard nothing from them. Any suggestions???? The problem is that they've placed a default on my credit report from 2001. It's satisfied now but apparently wont be removed by the CRA's until November 2007. It's badly affecting my mortgage and lending opportunities. My credit rating was very poor then went up to fair and now for some strange reason it's gone back down to poor.

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can anyone help please - I sent my letter before Xmas to Barclays with the £10 fee - they sent a letter back stating that they were under no obligation to present info according to any particualr format therefore my request to assemble charges was turned aside - they have however sent me copy statments which make no sense whatsoever! They are not detailed in anyway so cannot see what is what - is this their way of getting round things? Is this part of the breach? Can someone please advise me! As i have no longer got my statments this is they only way to obtain info on charges.

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Hi lisa - I think you'll find the response to this is:

Start your own thread so Mods (and any rockers!) can help you on your specifics

Read the FAQs again, you'll find that they will help - honest!

Have a flick through the successes, they help me loads!

But basically, they will only send you the old statements, have alook for all debits that are for 'Paid Referral' or 'O/D charge' or similar which is for £25 £30 or £35 over the last six years. I'm sure there are more to look for, so have a look through the threads, I know someone has the info you are after - but they are unlikely to answer you here (so start your own thread)

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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  • 2 weeks later...

:o hi bankfodder

 

could you help with this query, my business account is in my partners and my name, it has our home address on and our business name. i have requested data or the statements that tell my quartlery what my charges are, Barclays have said this info is on my statments, which the total charges are, but the breakdown is not, i have sent my LBA this seems new to the site everyones else has personal bankings issues, i have spent hours reading all the sites but would like if you could comment. Also wheres the link to N1 as this is what i will need in 6 days from now and am only at requesting the info stage never mind the charges. oh my god!!!

 

help if u can please.

 

requested the info

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  • 2 weeks later...

Oh dear. i thought i was alone in this. It seems like Barclays in particular are really fighting this .

 

I wrote to them before Christmas and got an extremely patronising letter back about the supply of information relating to charges they'd put on my account and the supply of statements ( they said they would supply within 40 days). the 40 days have expired and i have sent them a 7 day letter. i'm quite prepared to go to the info commissioner as i think it is disgsuting that they are not even wanting / reluctant to supply statements. surely the ombudsman should be sorting this out .

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Hi all, i am takin on the Hellifax on behalf of my pertner. We sent the SAR back on the 12th of September. They cashed the cheque, sent a letter after 4 weeks sayin gthey would process the request, and then nothing despite several reminder letters and reporting them to the info comissioner. I have now started proceedings against them for non compliance, took the N1 forms to birmingham county court approx 10 days ago... they said it would take up to 10 days to process ,,waiting to hear further from the courts

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Anyone tell me the addess for the Data Controller at Barclays Bank???

 

I need to send them a CCA letter asking for a default to be removed.

 

Thanks

 

Mr Peter Townsend can be found in:-

Privacy & Data Protection

Radbroke Hall

Knutsford

Cheshire

WA16 9EU

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