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.
If you think my advice has been helpful, please click on the scales to the left thank you!
Non illegitimi carborundum
I wish I was a glow worm, A glow worm's never glum!
How can you be grumpy, when the sun shines out yer bum?!
Amex * 2 *** WON *** Settled
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Barclays Bank - ***WON*** In full settlement
Abbey ***WON*** In full settlement
Abbey (Mrs Chorlton) ***WON*** In full settlement
Abbey (Mr and Mrs C) - MCOL submitted 16/5/07
I've had a reply. I'm not quite sure what to make of it:
"Privacy & Data protection
Radbroke Hall
Knutsford
Cheshire
WA16 9EU
DATA PROTECTION ACT
We refer to your letter of 5 February, which was passed to this departmentfor comment due to your request for certain information, relating to bank charges, under the terms of the Data Protection Act ["the DPA"].
Please be aware that the Bank is not under obligation to present information according to any particular format. Therefore, your request to assemble a schedule of charges is turned aside. You may of course obtain this data from copy statements and these will be supplied to you within the next few weeks without charge on this occasion. We would advise however, that statement information prior to 2000 is stored manually rather than on computer. Therefore, if your account was opened prior to this time, there may be an increase in the time required to collate the information you have requested, I apologise in advance should this delay be the cause of any inconvenience to you.
As regards your mention of "manual intervention", the DPA does not oblige the Bank to comment about internal policies and procedures, Furthermore, in the context of managing day to day transactions arising from out of order accounts, the Bank does not hold the information you have requested in a form that would be covered by the DPA. Whilst aggregated information is retained for statistical purposes, this would not constitute "personal data" under the DPA and therefore would not be covered by a s.7 DPA Subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA, is in no way an admission that there was no such manual intervention.
As the Bank is providing the copy statements on a complimentary basis your payment is returned herewith.
Now, as the basis of my first letter was to get the statements with the information regarding the charges on them, I'm classing this as Stage 1 Completed Sucessfully. Is this a generic letter that is sent out, and nothing to worry about?
If so, 'twas nice of them to return my cheque. Lets hope they return the rest of the money that easily
Thank you for your request for information under the Data Protection Act 1998.
The Data Protection Act provides you with the right to a copy of your own personal data. However, before the data can be made available to you, a fee of £10 is required.
Please note that we can only accept payment for this service by cheque or postal order. All cheques should be made payable to Barclays Bank PLC, and sent for the attention of the Data Protection Team at the above address.
Upon receipt of your payment the information will then be sent to you within the 40 day legal time scale.
Yours sincerely,
Angela M Phillips
Barclaycard Customer Service"
I think Mr Townsend and Miss Philips need to get together and have a chat. One wants my money, the other doesn't. Think I'll just stick photcopies of both letters along with the still-attached cheque in an envelope and send it back to them.