Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #41
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    Default Re: Very Old Barclaycard Charges

    we've never seen Barclays try that they know diff
    as for MSE
    I wouldnt believe anything that's written there...

    practical law...well but the fact is here its WHEN YOU REALISED not any other time.

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  2. #42
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    Default Re: Very Old Barclaycard Charges

    It's been 3-4 weeks now and no reply from BC. I asked for the statements for the accounts but nothing, not even an acknowledgement. I guess this is standard. What's the next step go to the Information Commissioner or just straight to court?


  3. #43
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    Default Re: Very Old Barclaycard Charges

    give em a ring

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  4. #44
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    Default Re: Very Old Barclaycard Charges

    Spoke to a lady who was nice but had no idea what was going on. She checked the records and said they send a letter early July. This was the original incomplete set of data. No mention of my letter from mid July requesting they complete the request with the specific Visa and MasterCard information. The lady said shel'll give me a call sometime next week if she hears back from the relevant department.

    I don't feel super confident they will comply.


  5. #45
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    Default Re: Very Old Barclaycard Charges

    Ok called again, they haven't a clue. So I have now sent them my lbaicon giving them a week to get the statements to me. In the meantime I have reported the breach to the information commissioner but I won't hold my breath on them doing anything useful.


  6. #46
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    Default Re: Very Old Barclaycard Charges

    What address have you used to write to Barclays again.

    Did you use a letter from our libraryicon - https://www.consumeractiongroup.co.u...ata-Protection



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  7. #47
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    Default Re: Very Old Barclaycard Charges

    Ok have reached the end of the road with asking Barclays nicely for the statements/data.

    Call centre is adamant they only have 6 yearsicon of data. Letter back from Barclays saying they have already complied with the GDPRicon request and wonít process it again. However Iif I want to supply additional information they may look again. All the information was in my previous letters.o

    Time to escalate it in the courts. Iíll start drafting my claim formicon tonight, can someone check it before I submit it?


  8. #48
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    Default Re: Very Old Barclaycard Charges

    Can you answer the 2 Q's in my post above.

    Have you followed Pre Action Protocol ? You'd be unwise to fire off a claim without going through the right pre-court action warnings.



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  9. #49
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    Default Re: Very Old Barclaycard Charges

    I've been sending the letters to:

    Barclaycard
    Customer Relations Dept.
    1234 Pavillion Drive
    Northampton

    They're written back, so the address seems to work. Used the GDPRicon template from the libraryicon to kick off the process then wrote 2 more letters chasing them.
    NN4 7SG


  10. #50
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    Default Re: Very Old Barclaycard Charges

    First letter chasing them after BC send an incomplete set of data:


    Barclaycard
    Customer Relations Dept.
    1234 Pavillion Drive
    Northampton
    NN4 7SG


    Dear Sir/Madam

    URGENT: INCOMPLETE General Data Protection Regulationsicon - Subject access requesticon

    ACCOUNT /REF NUMBERS

    Barclaycard Mastercard XXXXXXXXXXX
    Barclaycard Visa XXXXXXXXXXX

    Thank-you for the partial completion of my GDPRicon request. I had specifically asked for all transactions and charges relating to my banking history with your organisation for the accounts listed above. From their opening in 1998 thru to their closure in 2003. Alternatively, a complete set of statements for that period will be acceptable.

    You have previously confirmed in writing that you have the relevant data and can access it, but needed the account numbers which you claimed you didn’t have.
    The data bundle you sent back to me yesterday clearly shows the account and card numbers. I can’t understand why you didn’t complete a previous SAR when you clearly had the account numbers.

    Please now complete the data access request for the above accounts within the 7 days remaining of the original request.

    If you fail to comply with all of your obligations, I will make an immediate complaint to the Information Commissioner about your statutory breach – and without any further notice to you.

    This may also lead to legal action in the county courticon and a judgement will then be forwarded to the FCA.

    Yours faithfully,

    tnook


  11. #51
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    Default Re: Very Old Barclaycard Charges

    This was my lbaicon letter:

    Barclaycard
    Customer Relations Dept.
    1234 Pavillion Drive
    Northampton
    NN4 7SG


    Dear Sir/Madam,

    letter before actionicon

    ACCOUNT /REF NUMBERS

    Barclaycard Mastercard XXXXXXXXXX
    Barclaycard Visa XXXXXXXXXX

    I have made several requests now for transactions and charges relating to my banking history with your organisation for the accounts listed above. From their opening in 1998 thru to their closure in 2003. I have also stated, a complete set of statements for that period will be acceptable.

    You continue to ignore my requests, even though you have confirmed in writing that you have the data. For convenience I have enclosed copies of my requests.

    I have now filed a complaint with the Information Commissioner about your statutory breach.

    If I do not not receive the data I have requested within the next 7 days I will proceed with legal action in the county courts and a judgement will then be forwarded to the FCA.

    Yours faithfully,
    tnook


  12. #52
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    Default Re: Very Old Barclaycard Charges

    Excellent.

    So next step is to prepare the claim.

    What POCicon are you going to use - I'll seek advice to ensure your proposed action takes account of the 2018 GDPRicon.



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  13. #53
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    Default Re: Very Old Barclaycard Charges

    Hi TN,

    See post #11 in this thread for an example POCicon - https://www.consumeractiongroup.co.u...=1#post5109551

    however, you should read through the thread carefully before doing anything as there's a lot of useful info and opinion.



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  14. #54
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    Default Re: Very Old Barclaycard Charges

    Thanks Slick, really appreciate it. Will read over it tonight and prepare.


  15. #55
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    Default Re: Very Old Barclaycard Charges

    Quote Originally Posted by dx100uk View Post
    we've never seen Barclays try that they know diff
    as for MSE
    I wouldnt believe anything that's written there...

    practical law...well but the fact is here its WHEN YOU REALISED not any other time.
    MSE for years have I am sure Paid people to argue with posters, it started out years ago Great, but declined after certain events, most/all posting I made got be-cried by the same names within minutes,

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  16. #56
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    Default Re: tnook v BC for older charges

    Quote Originally Posted by tnook View Post
    Oh damn the receipt was for a different card. Back to square one.

    I have just found the Barclaycard internet account site id's for the old cards. But no card numbers and the account codes no longer work.

    It does seem odd that the only way Barclaycard can access pre 6 yearsicon data is with a credit card number. Here is the letter they sent me:



    Does anyone have experience of getting pre 6 year statements without account numbers?

    Same Welcome finance use now - BUT they do state call this Number x xxxxxxxxx etc so when asked would it make a difference to their response - No they state

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  17. #57
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    Default Re: Very Old Barclaycard Charges

    Just had a phone callicon from Barclaycard level 2 complaints. They said they asked the microfiche team to look for the statements and they were unable to find them. So their position is they donít have them.

    Iím still going to press on but is it likely they would actually get rid of old data/statements?


  18. #58
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    Default Re: Very Old Barclaycard Charges

    I would insist that BC confirm in writing anything they've told you by phone, "so you can properly consider your options".

    Have you looked at this Sticky about BC and their Microfiche data storage - https://www.consumeractiongroup.co.u...wrong-OFFICIAL

    It's old but I've seen nothing since then to suggest BC have been destroying older data - why would they ? !!

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  19. #59
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    Default Re: Very Old Barclaycard Charges

    They said they are sending me a 'final position' letter which reiterates what the lady said in the phone callicon. I don't think they deleted / destroyed it.


  20. #60
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    Default Re: Very Old Barclaycard Charges

    Let us know when you have their written reply, and confirm what they say.



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