Thanks Slick. BTW, when we say a company must respond to a SAR within forty days, is that forty working days or calender days? I just wondered!

The story so far. After SARing the Barks and subsequently rebuking them for trying to extort a tenner for each of the four accounts I hold with them, they backed off and I eventually received copies of statements from August 2003 to August 2009 for all accounts. I also received some printouts of status codes etc No sign of any agreements though and each account goes back six years even though all of them were in existence long before that. Seems dodgy or what? Anyway, do I need to send them an LBA of some sort or do we head for the Courts without further ado? On a seperate note, I had a most apologetic letter from them last week promising that the harrassment would stop by last Monday. It didn't!

Ok. Will do that tomorrow.

I see... Your two options seem very similar. Most of the calls are not withheld These are the calls I logged for today. There may have been more: Mon 24-08 08:29 Silent call Landline 0845 401911 13:01 Silent call Landline 0845 401911 13:51 Unanswered Mobile 0800 135333 17:03 Silent call Landline 0845 401911 19:18 Silent call Landline 0845 401911 19:47 Silent call Landline 0845 401911

Hello again, The Barclays folk are induging in some good old fashioned harassment now - using automated dialling to my landline and mobile- not to mention the continuous text messages as well. This happens several times every day and goes on over the weekend I intend to send the following letter to them tomorrow but would appreciate any advice or comments first Dear sir / madam, I am writing to express my serious concerns regarding the ongoing automated telephone calls and text messages that I am receiving from your company, which occur several times daily – starting early in the morning and continuing late into the night. This is distressing for me and my family and I am advising you that they are now being logged in order to gather evidence. You are aware that the credit card accounts I hold with you are in dispute as I am still awaiting a proper response from you to my request for copies under section 77 and 78 of the Consumer Credit Act 1974 and also a Subject Access Request under the Data Protection Act 1988. Your harassment places you in breach of Section 40 of the Administration of Justice Act 1970 and the Protection from Harassment Act 1970. I am therefore formally repeating my demand that all such harassment ceases immediately and further correspondence should be made in writing only. You are also in breach of the Wireless Telegraphy Act (1949) and, as such, If you continue to call, I will report you to both Trading Standards and The Office of Fair Trading. Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003. You will be deemed to have been served notice of my request and I will deem it served by 27th August 2009.

Oh dear! I was dragged up through the Rock 'n Roll years but from the bits I remember, these scooter riding chappies did not cause me much grief. I always thought that they were a bit... shall we say odd though. Each to his own I suppose

I say! Steady on chaps!!! You'll do yourself a mischief

Done and posted. You guys just rock.

Thanks guys. I have drafted the following letter for them. Can anyone suggest anything I should change, add or remove from it? I refer to your letter dated 10th August 2009 in which you wrongly demand a payment of £10.00 for EACH account that I hold with you. I am sure that you are aware that "Barclaycard", "Morgan Stanley" and "Goldfish" are trading names of Barclays PLC and have the same Data Controller as defined by the Act. Therefore, as you have already received the required payment of £10.00 from me, you are obliged to supply ALL the data that you hold on me for every account and for the entire period of my dealings with you. I enclose my original request again for your convenience. You have forty days from the date you received my original request (4th August 2009) to provide this required information. If you choose not to comply, I will be happy to consult with the Information Commissioners Office with a complaint.

Great stuff. I'll do just that today. Thanks

Thanks. That looks an interesting bit of kit. Will have to study it more as all the cards say Barclaycard on them

Well Well! I had a reply from Barclacard today after I SAR'ed them for all four of my credit card accounts with them. The advice from this forum was that a single tenner would cover ALL the data they hold on me. The Barks beg to differ. They state: "We are processing the SAR on your account ending xxxx. Please enclose a further three chegues for the standard amount of 10.00 each and we will process the other three." Can they do that? Any advice or opinions?

On second thoughts, I'll hold off until I see what becomes of the SAR

That is what I will do next then. FOS it is. Thanks

Oh bugger! I have had similar results AFTER I requested CCA for another Barclaycard account - including a 3 page photocopy of what seems to be their standard T&C - with one page blank exept for a rubber stamp "AUGUST TO DECEMBER 1999 BARCLAYS T/C" I am about to stop the standing order on this account and send a standard follow up letter stating that they are in breach... etc. I'm now wondering if I should just wait for the results of the SAR instead All the correspondence regarding this account is here: Picasa Web Albums - notintune - BAR499002 I would be grateful if you would take a peek

A SAR to Barclaycard is on its way. In the meantime, should I should report them to somebody for blatantly helping themselves to money from my Barclays bank account?

ooh... Thanks. Will post outcome on here

Thanks for help. Couple of things I am confused about. (a) We are advised by CAG not to sign a CCA request and send a postal order but a SAR on the other hand should be signed and a cheque enclosed (b) I have four accounts with Barclaycard, incuding one ex-Goldfish which is zero and not used since BC took it over. I am assuming that the SAR should cover all of them in one letter. Does the one £10.00 fee cover all accounts do I need to send £10.00 for each account?

Ohh... I overlooked the SAR but that will be rectified tomorrow as well. Thanks

They are not only saying it noomill - they had already done exactly that BEFORE they wrote to me! I'm speechless with amazement. The "good news" is that I am not in arrears any more and my CRA records have been updated accordingly! What a bunch of lowdown crooks. I will write to them tomorrow but not quite sure what to tell them

Well... Been lying low for a while but up and at em again now. Thanks for your recent advice guys and here is the story so far. It's shaping up very much like the tale told by Noomill060 actually 22-05-09 I wrote to Barclays asking for CCA agreement enclosing a £1.00 postal order. (The account is one of those they inherited from Morgan Stanley) Picasa Web Albums - notintune 08-06-09 Received a reply from Stacey Atkinson. "We must supply you with a copy of your executed agreement and a statement of account. Below is a statement of account." It them lists the credit limit, the current balance and the next minimum payment. It also states that "a copy of your CURRENT credit agreement will be sent under separate cover" and "this completes our obligation to you." Picasa Web Albums - notintune Picasa Web Albums - notintune The following letter arrived on 13th June. 13-06-09 This letter is from Elaine Mockler and it states "enclosed are your Barclaycard Terms and Conditions." This consists of three pages of a photocopied Barclaycard standard T&C document with no mention of me personally and no hint of anybody's signature. Picasa Web Albums - notintune Picasa Web Albums - notintune Picasa Web Albums - notintune Picasa Web Albums - notintune 25-06-09 I wrote to Barclaycard with more or less a standard letter from this forum stating that I have stopped the payments until they produce something a bit more realistic. etc etc. Picasa Web Albums - notintune Picasa Web Albums - notintune 02-07-09 I received a letter from Chris Brown stating that he notes my non-receipt of requested document made under s78. He went on to say that "the documents required for us to complete our obligation to you under s78 were dispatched on 03-07-09. This is strange as I have never said that I had not received any documents. Picasa Web Albums - notintune Since then I have been inundated with a mixture of telephone calls - both from automated machines and from people with barely understandable accents who seem to struggle with the Queen's English. I also have harassing calls and text messages on my mobile - sometimes in the early hours of the morning. I try and ignore them as much as possible. 01-08-09 This is their best one yet. I received a letter from Zara Woods today. She said that "We have exercised our legal right to set off the arrears on this account against your BARCLAYS account!" She says that they can do this as Barclays and Barclaycard are one and the same. She goes on to say that "as your account is no longer in arrears, your Credit Reference Data File will be updated accordingly! Picasa Web Albums - notintune Its time for the gloves to come off. I think I know the way ahead but any advice or pearls of wisdom from our more experienced caggers would be appreciated

Oh thanks for that noomill. Just in the nick of time. I haven't posted it yet so I will leave it for a few days while I do the SAR learning curve Back to the board then

Thanks Slick. I am just sending a CCA request to my favourite old enemy MBNA for and old account. They did some dispicable things to me over the years and finally closed it in 2007 with no good reason - and without telling me! Should be interesting. Cats amongst pigeons spring to mind.

Hi Everybody, This forum is doing a fantastic job and I am personally grateful for the masses of info that I have already gleaned from here - and still learning. Thank you all I have recently sent CCA requests to Barclaycard "Cashback" (old Morgan Stanley card), Egg, Citibank and RBS. I had some encouraging waffle from Barclays (but no mention of M/S) and they are now way over the twelve day deadline. I am sending a follow-up letter to them today and in the spirit of these forums, I will keep you informed of progress No response from the others yet so while I'm waiting I am going for BOS, Capital One, Nationwide, MBNA and Alliance and Leicester Kriskros