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.

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  1. #1
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    Elky Novitiate

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    Default Elky vs Barclaycard

    Hi all

    Decided after all to start proceedings against Barclaycard. I sent them an SARicon on 16th January. Yesterday, I received the following letter from them, dated 25th January….

    ---------------------------------------------------------------------------------
    Dear Mr Elky

    Subject request access number: 1196

    Further to your request for copy statements, we are writing to inform you that the legal time limit for supplying this information is about to expire. If your initial complaint was through the information commissioner the time scale is 28 days. If this is your first request the legal time limit is 40 days

    The reason for the delay in our providing this information is the very large number of identical requests that we have received, all of which we are obliged to respond to within the same timescale. The recovery of some of the information you have requested from archive is a lengthy and laborious process and we are reviewing our staffing position to put us into a better position to deal with the demand.

    We have made the Information Commissioner's Office aware of the volume challenges we face and that we are writing to you in these terms. We are sorry for the delay but we assure you that we will let you have your statements as soon as we can.

    We regret we are not able to enter into any correspondence with you about this issue.

    Yours sincerely,

    Adrian Whalley
    Head of Privacy and Data Protection

    Legal Counsel
    Data Protection Team
    Legal and Regulatory Compliance
    Dept LRC
    ---------------------------------------------------------------------------------

    Obviously it has only been about a week since they would have received my letter so it seems strange that I have been sent this already. Should I just stick to the 40 day deadline and then continue as normal or should I respond to this letter?

    Cheers for your help

    Elky

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  2. #2
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    Default Re: Elky vs Barclaycard

    Hi

    Does anyone think I should respond to this letter yet or just give them the 40 days before taking any further action?

    Cheers

    Elky


  3. #3
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    Elky Novitiate

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    Default Re: Elky vs Barclaycard

    Anyone?


  4. #4
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    Default Re: Elky vs Barclaycard

    Hi, I would ignore it and stick to the timetable. Once they go past the 40 day deadline you should send them a letter advising them they are in default of the Data Protection Act (there are threads you can find on this).

    Good luck.


  5. #5
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    Default Re: Elky vs Barclaycard

    Notorious Barclaycard delaying tactics. Now they can't hide behind their microfiche tactic (you can't have statements on microfiche) they are using it to delay sending you anything.

    When the 40 days are up, send a complaint to the Information Commissioner's Office to complain too.

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

  6. #6
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    Default Re: Elky vs Barclaycard

    I logged in to my Barclaycard account this morning and have just seen this under 'recent transactions'

    05 February COPY STATEMENT CHARGE
    129.00

    Are they having a laugh or what?! Should I write to them asking them to explain this?


  7. #7
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    Default Re: Elky vs Barclaycard

    Quote Originally Posted by Elky View Post
    I logged in to my Barclaycard account this morning and have just seen this under 'recent transactions'

    05 February COPY STATEMENT CHARGE
    129.00

    Are they having a laugh or what?! Should I write to them asking them to explain this?
    Yes I would phone them first.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

  8. #8
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    Default Re: Elky vs Barclaycard

    Thats flipping outrageous!! Did you send then the required £10 for the SARicon when you sent it off??? If you did then i would have a word with Mr Whalley and find out what they are playing at.

    Would be interested to see what the response is as have recently sent my own SARicon.

    Barclaycard
    S.A.R sent 18/01/07 :o
    7 Day reminder 02/03/07
    Some statements rec'd 19/03/07
    ICO Complaint 20/03/06

    Alea iacta est

  9. #9
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    Default Re: Elky vs Barclaycard

    Yes, I enclosed a cheque for £10 which hasnt cleared my bank so they obviously havent cashed it. Do you think its worth me ringing them or shall I keep everything in writing?


  10. #10
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    Default Re: Elky vs Barclaycard

    Id say call them then follow it up with a letter anyway to keep the record of correspondance for use at a later date ie maliciously removing funds despite reciept of your letter and hence clearly your cheque.

    Whan you call confirm if they recieved the cheque first before equiring if they want to explain why they have charged you for statements.

    Alternatively this is Adrain Whalley's email:
    adrian.whalley@barclaycar d.co.uk

    Good luck and post what happened please

    Barclaycard
    S.A.R sent 18/01/07 :o
    7 Day reminder 02/03/07
    Some statements rec'd 19/03/07
    ICO Complaint 20/03/06

    Alea iacta est

  11. #11
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    Default Re: Elky vs Barclaycard

    sorry please remove the space in the email address shouldnt be there

    Barclaycard
    S.A.R sent 18/01/07 :o
    7 Day reminder 02/03/07
    Some statements rec'd 19/03/07
    ICO Complaint 20/03/06

    Alea iacta est

  12. #12
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    Default Re: Elky vs Barclaycard

    Quote Originally Posted by damiencannell View Post
    Id say call them
    That is, of course, if you are good on the phone! No point in ringing if you are going to get flustered.

    If they confirm anything over the phone, tell them you want written confirmation of it through the post


    Quote Originally Posted by damiencannell View Post
    sorry please remove the space in the email address shouldnt be there
    You should be able to edit this post to remove that

    Quote Originally Posted by Elky View Post
    shall I keep everything in writing?
    Personally I prefer to do this, so either via the email address if it's urgent or by mail if not so.

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

  13. #13
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    Elky Novitiate

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    Default Re: Elky vs Barclaycard

    I sent them a polite email and now have the £129 back plus £12 that they were going to charge me for going over my limit.

    Isn't that nice of them!!!


  14. #14
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    Elky Novitiate

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    Default Re: Elky vs Barclaycard

    I got a letter from them yeterday basically telling me that they would supply all the info I've requested about my account within the 40 day time limit - is this standard as I haven't seen other people getting this letter?


  15. #15
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    Default Re: Elky vs Barclaycard

    Has anyone else got this sort of letter? Am I just special? haha


  16. #16
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    Default Re: Elky vs Barclaycard

    Hi Elky,
    I got a letter a few days ago saying they would send my details within the 40 days, but now I have just had the letter saying the 40 days are about to expire and they will not be able to supply my statements in time. I think they are just trying to make things as difficult as possible
    Tracy


  17. #17
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    Default Re: Elky vs Barclaycard

    Still no statements received from Barclaycard and their 40 days is up on Friday. I take it I send them template number 3 from the non-compliance letters?

    letter before actionicon
    Section 7 – Data Protection Act 1998


    Dear Sir/Madam

    Account: xxxxxxxx

    You have failed to comply with my Data Protection Act Subject access requesticon dated (Insert Date).

    If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.


    Yours faithfully





    [name]


  18. #18
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    Default Re: Elky vs Barclaycard

    Hi all

    I still have received nothing from Barclaycard, not even a letter to say they still haven't had the time. I sent the lbaicon just over a week ago now but nothing.

    What should I do now?

    Thanks in advance!

    Elky


  19. #19
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    Default Re: Elky vs Barclaycard

    Hi Elky,
    If the time has expired then apply for an Order from your local court to force compliance. You can also complain to the Information Commissioner's Office. Might be worth one last phone callicon. You'd think Barclaysharks could afford to employ extra staff to meet their customer's demands since their record profits announcement.
    All the best,
    Paul

    MBNA: Paid
    Co-Op: Paid
    Lloyds Tsb:Data Protection Act sent 14th June Still waiting. Started again
    Abbey National: Paid
    Barclaycard:Prelim £1920 14th Sept MCOL 17/10/06 £2346 Court date 13th March Offered £600 and rejected. Then offered £1,600 rejected. Paid in full £2,705.02.
    Capital One: Paid
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    Rise, like lions after slumber
    In unvanquishable number!
    Shake your chains to earth like dew
    Which in sleep had fallen on you:
    Ye are many - they are few!

    (P. B. Shelley, 'The Masque of Anarchy', 1819)



  20. #20
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    Default Re: Elky vs Barclaycard

    Hi Elky
    I was in exactly the same situation as you and they also did not reply to my lbaicon. However yesterday they did send the statements at last. I think you will probably get them soon, but they just take their time.



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