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.
Sent my first letter, SAR and have received this reply.
"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 Iintervention", the DPA does not oblige the Bank to comment about internal policies and procedures. Furthermore, in the context of managing day to day ttransactions 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 statement on a complimentary basis your payment is returned herewith."
I am not sure what they are trying to say regarding manual intervention.
Please could someone enlighten me.
It's a standard letter. Don't worry about it, they're just trying to lay a bit of a smokescreen because they don't want to admit how they deal with charges. If they could prove everything was slaved over by admin staff by hand with each incident taking many hours to resolve they could defend their charges, but as they can't they're just trying to fob you off.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
It's a standard letter. Don't worry about it, they're just trying to lay a bit of a smokescreen because they don't want to admit how they deal with charges. If they could prove everything was slaved over by admin staff by hand with each incident taking many hours to resolve they could defend their charges, but as they can't they're just trying to fob you off.
Many thanks for that. Cant wait for the next instalment from the Bank
Gertrude
It's a standard letter. Don't worry about it, they're just trying to lay a bit of a smokescreen because they don't want to admit how they deal with charges. If they could prove everything was slaved over by admin staff by hand with each incident taking many hours to resolve they could defend their charges, but as they can't they're just trying to fob you off.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Gertrude vs Barclays
", under the DPA and therefore would not be covered by a s.7 DPA Subject access request
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Re: Gertrude vs Barclays
Originally Posted by Advoc8
