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.
I rang barclaycard yesterday, after sending my SAR 37 days ago, to ask where my bankstatements were. there answer was " we are very busy with everybody asking for statements and so we need more than the 40 days, the ICO are aware of this problem so there is no point in complaining to them, you will just have to give us more time"
I suppose i can understand that they are busy, lol, but they coudnt tell me how much longer it was going to take.
How long has it taken others to receive something from barclaycard? and what should i do, should i still write to the ICO or just wait for them, afterall they have already cashed the £10 cheque.
Did they wait for you to sort thing out like hell as soon as SAR expires send the 7 days warning of court action I did with Halifax and 2 days after they received I got statements. Sent SAR for >2000
I also reported them to ICO and fos they don't hesitate to do us down do they (initials could be wrong I just got up)
sat here with a cupper enjoying seeing these mongrels get theres.
I have now received my statements, hooray. Actually i received them a while back, 11th april, but have been far too busy, but now i am ready to carry on the battle.
I have added up all the charges and it comes to £200, my problem now is i want the contractual interest compounded if possible as i have just won against MBNA and got all of the interest and they paid it with no problem. But i dont know which spreadsheet i should use as i closed the account in Jan 2004 so i assume i cant charge the interest from that date to today. The spreadsheets all seem to calculate to present day, i think i am right in saying that i can charge the 8% up to today.
Sorry but i dont know how to start my own thread can anyone help? anyway i had a barclaycard which mercers started dealing with i explained my circumstances and explained that all my other creditors had accepted my offer but barclaycard and mercers refused. Well today i had a phone call from someone called RMA who said they had brought the debt from barclaycard and i had to pay them. I asked them to put any request in writing and they said they couldn't as they were a telephone debt collection agency so i said that unless i received some paperwork i wouldnt deal with them. I also asked for a copy of my original credit agreement and the nice NOT lady told me to contact barclaycard, but i said you own the debt now so i need to deal with you and she said they couldnt provide it because they didnt have any paperwork confused i am. So i requested that she put on my account in dispute until i could get a copy of my agreement. Her answer to this was forget it we will ring you twice a day until you pay, i said i considered this as harrassment and she laughed and said they were allowed to call twice a day. So any help would be very much appreciated and i am sorry to jump in on your thread.
I have now received my statements, hooray. Actually i received them a while back, 11th april, but have been far too busy, but now i am ready to carry on the battle.
I have added up all the charges and it comes to £200, my problem now is i want the contractual interest compounded if possible as i have just won against MBNA and got all of the interest and they paid it with no problem. But i dont know which spreadsheet i should use as i closed the account in Jan 2004 so i assume i cant charge the interest from that date to today. The spreadsheets all seem to calculate to present day, i think i am right in saying that i can charge the 8% up to today.
I hope this makes sense to someone.
TIA
SiFly
Hi just my opinion but they have had use of your money since 2004 so I can see no reason not to claim interest upto date if you had owed them money they would have been claiming interest.
SiFly VS Barclaycard
37 days ago, to ask where my bankstatements were. there answer was " we are very busy with everybody asking for statements and so we need more than the 40 days, the ICO are aware of this problem so there is no point in complaining to them, you will just have to give us more time"
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Originally Posted by SiFly
