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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    anji46 Novitiate

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    Thumbs up anji46 v barclaycard

    I had no response to my 1st S.A.R after 40days so sent another S.A.R. giving them a further 7 days to respond which is up tomorrow.
    Rang them today to see what is happening - they were very rude and said 40 days does not mean they have to reply within that period and I would have to wait....
    Is this right as they told me the Data Protection Act does not specify 40 days.
    Confused or reading it wrong - can someone clear this?

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  2. #2
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    Default Re: anji46 v barclaycard

    Quote Originally Posted by anji46 View Post
    I had no response to my 1st S.A.R after 40days so sent another S.A.R. giving them a further 7 days to respond which is up tomorrow.
    Rang them today to see what is happening - they were very rude and said 40 days does not mean they have to reply within that period and I would have to wait....
    Is this right as they told me the Data Protection Act does not specify 40 days.
    Confused or reading it wrong - can someone clear this?
    Hi Anji
    Yes they do have to respond within 40 days the trouble is most of the people that wok in these depts are ignorant of the law.
    Did you include the £10 fee, if so you have been more than generous in giving them an extra 7 days.
    Use this template (complaint to the IC)and send it of straight away. http://www.consumeractiongroup.co.uk...n-act-non.html

    Although this takes time it is a slap across the wrists that the banks dont like.
    And yes you keep asking for your statements and make it plain to them what you have done.

    AL

    -------------------------
    CAPITAL ONE * SETTLED*31st Oct 06
    HBOS *SETTLED* 8th Oct 06
    WOOLWICH *SETTLED*12thJan2007
    Monument (Barclays) *SETTLED*10thMar2007

  3. #3
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    Default Re: anji46 v barclaycard

    Thanks for that, I am fully intending to do what you suggest. The guy I spoke to in barclaycard was really stroppy and rude and when he realised my letter was about reclaiming bank charges he said it was not important enough for him to investigate !!!!!!
    I seriously kept my cool and after asking him to slow down so I could record the info he was spouting, he told me I was underhand and put the telephone down.

    Was thinking of asking for legal advice as he was insistent about the 40 day rule and then had the cheek to hang up.

    believe when I say I didi not lose it but I am disgusted


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    Default Re: anji46 v barclaycard

    Well done to you, (although they send your blood pressure through the roof) yes they really do get up your nose with their 'Look here small person, your wrong im right' attitude, I wish i could meet one of these so called customer relations people on the street bet they would'nt be quite so cocky. I wonder if they have any friends? Stupid me of course they would'nt.

    AL

    -------------------------
    CAPITAL ONE * SETTLED*31st Oct 06
    HBOS *SETTLED* 8th Oct 06
    WOOLWICH *SETTLED*12thJan2007
    Monument (Barclays) *SETTLED*10thMar2007

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    Default Re: anji46 v barclaycard

    Still not received the information so am completing the template to complain to Commissioners office.
    However this does not get me the information I require to establish the correct amount of charges

    - I am minded not to continue paying the account until they answer but then they will hit me with even more charges.


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    Default Re: anji46 v barclaycard

    Send them a letter saying they have ignored the your S.A.R - (Subject access requesticon) and you have informed the Commissioner and if they still ignore your letter further action will be taken via the courts. Harsh but it has happened. They are struggling to get data out because of their previous stance on microfiche, consequentially everybody wants their statements now. I will try to find a post for you which could help you to understand the above actions.

    Here you go, boil the kettle ............... http://www.consumeractiongroup.co.uk...ional-plc.html

    AL

    -------------------------
    CAPITAL ONE * SETTLED*31st Oct 06
    HBOS *SETTLED* 8th Oct 06
    WOOLWICH *SETTLED*12thJan2007
    Monument (Barclays) *SETTLED*10thMar2007


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