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 have been trying to get my statements using dpa and a miss lyndsey hilton from lrc department at barclaycard has stated that I can only have from march 2004 under dpa as before that they are on microfiche, has anybody else received statements under dpa early than that and which address did they send too as I could do with some evidence for miss hilton.....
I am also at the same stage. Think many of us are now. Lueeze have you sent them the letter template 1 in the DPA FQA? I was going to send the 3 pound per statement but was unsure whether to send that template and then see what they say to that letter. Would like to know if anyone has had progress since the letter template 1?
Kaz
Sent
Halifax (mortgage), Barclaycard and BOS DPA letters.
I have staements since may 04 free f charge, so what I have tried is to estimate by multiplying charges for 2 years by 3 to make 6 years and sending them prelim letter... surely if they want to fight it and I have over estimated they will soon find relevant info when we go to claim online stage... what do you think????
The letter telling you to pay for statements is about as good as it gets. They seem to ignore the bit in the DPA request andjust teel us to politely go away.
I have had the same response from them along with a lot of other people.
I sent them an EMail on saturday informing them that they had a further 7 days to comply with DAP_ request (yes I know the time is up but will report them if they answer email)
I basically said they had the option of providing info or as they are well aware why I want this information (they are learning quickly) They could charge me for the statements and I would include it in the claim of unlawful charges.
...or you could consider taking them to court under s.7 of the DPA to get an order that they comply? There's a template for the claim in the library...
I have just spoken to Barclaycard about this microfisc rubbish. I decided that a £3 charge per statement was worth biting considering i have £24-£48 charges on each one. So I spoke to a call center in Manchester and requested the 22 statements at £66 be added to my account. I was then told I did not have enough credit on my account to do this. I asked as a good will guesture that they give back the last 2 charges on my account for £48. they said yes. I then asked what credit was avaliable and was told £78 so asked if I could order the statments now and was told yes!!!!!????? all in one call, amazing!
What i want to know now is can i claim these back (£3 per statment x22) when i start my claim?
I must admit to share your frustration about the microfiche arguement. I've been stuck in that one too. Still the Information Commisioner sides with Barclaycard despite some of the wordsmithing of the letters received from complaints under the DPA.
I really do think that complaints should still be made to the IC, because complaints need to be answered, that costs money, and since the IC is a quango and strapped for cash it'll be under pressue to balance the books. I don't think that it will be long before the IC will cave in (because of costs) to back the complaints about Barclaycard microfiche. When that happens, the floodgates will open.
Still the Information Commisioner sides with Barclaycard despite some of the wordsmithing of the letters received from complaints under the Data Protection Act.
How so? Was under the impression that the ICO was on our side? This thread was one of a few I've read giving that impression. Have things changed?
If my post has been useful, tip my scales and let me know
The most difficult company to reclaim charges from is Barclaycard. I started DPA back in July 2006 but was not following up hence the delay. I received the usual May 2004 statements. I want to make a complaint to OFT but I am not sure what to say, can anyone provide me with an OFT complaint letter template, I would appreciate your help. Thanks
Abbey: Settled in Full after 1st Prelim letter 23 January 2006
Halifax: Settled in Full at court 21 June 2006
NatWest: Settled in Full at court 22 June 2006
Barclaycard: Data Protection Act Letter sent 09 June 2006, Microfiche letter 20 July 2006, response sent 10 Aug 2006.
Monument: Data Protection Act Letter sent 09 June 2006. Kept up to date with delays for info. Statements rec'd 12 August 2006
Barclays (Mother): DPA Letter sent 14 June 2006. DPA cheque sent back 23 June 2006 will provide statements for FREE . Statements rec'd 12 August 2006.
The most difficult company to reclaim charges from is Barclaycard. I started Data Protection Act back in July 2006 but was not following up hence the delay. I received the usual May 2004 statements. I want to make a complaint to OFT but I am not sure what to say, can anyone provide me with an OFT complaint letter template, I would appreciate your help. Thanks
You need to reply to the information commissioner, if you go onto that site and go to complaints you can either fill out a form online or download one.