No, don't wait. This is a delaying tactic that most of us on here have had to deal with.
Stick to your timetable. Near the end of the 40 day period for the S.A.R - (
Subject access request
) send them an
lba
for Data Protection Non Compliance (Letter in
templates library
) . Many people are experiencing 50 days+ because of the delays.
There are a few threads on here for people that have ended up having to take Barclaycard to court for non-compliance (and won). When I find them I will add the links.
B'card state that they don't have to comply in 40 days as their microfilm system is not a system covered by the DP Act. It is! Just more delaying tactics.
You are correct in assuming you can claim "Late Payment Fee" "Exceeding Limit Charge" etc however it is possible to claim the
interest
on these each month. Try looking for some threads on claiming contractual interest. Again i will try to find a few links for you. Hope this helps