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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Barclays has sent me someone else's information (statements and letters)


parity4all
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I applied for a Subject Access Request to Barclays. Roll on 40 calendar days* Barclays send me two packages via courier. One of them had bank statements and letters belonging to a Nigerian businessman.

 

Some letters were about freezing his accounts due to a court injunction/restraining order, unfreezing it after the court discharged the restraining order, and eventually the accounts being closed by Barclays a few days later. (See redacted documents attached) The statements cover a two year period at least. There was also a letter about a children's Instant Saver Account. (see attached) Account numbers, sort code, address, all transactions on his account...the lot.

 

Pretty shocking how reckless Barclays have been with his data. The worst part is, Barclays say in their GDRP letter sent to us: 'Barclays is committed to protecting your personal data..".

 

Does anyone know if I should complain to the ICO or is it Barclays? It used to be ICO. This may have changed after GDPR came in to play.

 

* - I applied before GDPR came in to force, so deadline was 40 days not 30 as it is now.

Barclays-Mr-X-Accounts-Closed.pdf

Barclays-Mr-X-Unfreeze-Accounts.pdf

Barclays-Mr-X-Restraining-Order-Freeze-Accounts.pdf

Barclays-Mr-X-Child-Saver.pdf

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Hi Parity,

 

Attachments hidden - they show house no. and postcode which therefore identifies the full address.

 

I would tell the other Barclays customer that you've been sent the data if you haven't already.

 

ICO will d/w a complaint about GDPR breach as said above.

 

You've not said if you've complained to B's about failure to reply to YOUR SAR. Do so if they've exceeded the 40 days.

 

:-)

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Barclays Bank Plc

Mr Jes Staley Chief Executive

 

Email [email protected]

 

Telephone 0207 116 1000

Switchboard 0207 116 1000

Fax 0207 116 7665

Website http://www.barclays.co.uk

Social Media T F

 

Postal Address 1 Churchill Place, London, E14 5HPM

Company Number 01026167C

Company Status Active (Established 04/10/1971)

:mad2::-x:jaw::sad:
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Hi Parity,

 

Attachments hidden - they show house no. and postcode which therefore identifies the full address.

Well spotted. I've now redacted the house number.

 

You've not said if you've complained to B's about failure to reply to YOUR SAR. Do so if they've exceeded the 40 days.

:-)

B's replied to SAR, I believe, slap bang on the 40th day. Basically, they received my SAR on 16 May 2018, I received SAR documents (including other person's docs) on 26 June 2018. I think the clock starts ticking from 17 May (next day after receipt). Not sure if the day I receive documents is counted. If it is, then it would make it 41 days.

Barclays-Mr-X-Child-Saver.pdf

Barclays-Mr-X-Restraining-Order-Freeze-Accounts.pdf

Barclays-Mr-X-Accounts-Closed.pdf

Barclays-Mr-X-Unfreeze-Accounts.pdf

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Make a complaint | ICO

https://ico.org.uk/make-a-complaint/

 

Looks like the ICO has delegated complaint handling to the organisations (banks) themselves!. A bit like the farmer, who is inundated with many duties (and a lack of funding) who delegates the role of looking after the chicken coup to the fox. ;)

 

BTW, When I follow the ICO link, the interactive wizard asks me 'What is your concern about personal information? *'

 

No matter what I select here, it then asks me 'Have you contacted the organisations? *'

 

If I choose 'No', it says 'Contact the organisation', and there's a link to a template letter.

 

Seems we can only report to ICO if Barclays' response to this letter is unsatisfactory (or we don't receive a response). For reporting to ICO we use a form:

 

https://ico.org.uk/make-a-complaint/your-personal-information-concerns/personal-information-concerns/personal-information-concerns-report/

 

Couldn't help noticing that 'has sent you someone else’s personal information.' has disappeared from the new (spruced up) form. (It used to be one of the 'concern types' in the old form) Guess we need to select 'something else' and then specify. What a palava!

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  • 5 weeks later...
Just email Jes... 🤣

 

I contacted Jes on 08 August 2018 by email. Received reply from executive team saying they will conduct a 'review of the circumstances' I outlined and arrange for me to be contacted with an update as quickly as possible but no later than 13 August.

 

I received an email from a different staff member of exec team on 13 August asking for a 'convenient time to call'.

 

Little bit skeptical about how this has suddenly turned in to 'doing things over the phone' exercise. What's next?, asking to meet face to face at a random location?

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This is normal

You can also ask them to put everything in writing for you

 

Don't worry about it

 

They have an Admin team who maintain all complaints and then acalde handler usually is next

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I'd certainly tell whoever calls that you need a written reply, regardless of any phone discussion.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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