But how much will it cost us? My wife and I are both unemployed, and we're having the same problem with Barclaycard. So we'd have to do the same with them and that's more expense.

Ok, I sent a 2nd LBA on 15th giving Barclays another 7 days to comply with my SARs request and included the info from the ICO about their microfilm being a relevant filing system ....... still no response. Should I go down the courts route?

further info from ICO. I replied to the message above saying:- Dear x Thanks for getting back to me. It’s for both Barclays and Barclaycard. I sent DPA SARs to both, along with the statutory £10 fees requesting all information, letters, etc relating to my entire banking history with them for my accounts. All I got back was prints of current statements and a letter stating that any information before May 2004 has been put on microfilm and according to the Information Commissioners Office microfilm doesn’t count as a relevant filing system as defined by the DPA. I just assumed that any information relating to my personal accounts can only be stored with other information about MY accounts because it is Private and Confidential and therefore needs to remain “readily available” (I believe that is the term from the DPA) and therefore ALL should be provided under a DPA SARs request, regardless of how it is stored. If I understand your message correctly (see above post), you are saying that even statements stored on Microfilm are part of a relevant filing system and therefore must be provided under a DPA SARs request? If so, this is good news. But I hope to hear from you soon with some actual clarification. Kind Regards,xxxx They replied:- Dear xxxxx Thank you for your further email. In answer to your further queries the answer is yes, the information stored on microfilm does form part of a relevant filing system and so this should be provided to you. If you would like our office to look into the issues you raise further, please provide copies of your original requests and copies of the responses that you have received. If you require any further advice or assistance please contact our Helpline on 01625 545745. Yours sincerely xxxxxxxx Case Reception Unit BC will be getting a letter!

That being the case, does that mean I should be able to claim back more than 6 years of PPI (i.e. ALL of it)? Of course I'll need to get the statements from BC - they only give me last 6 years and everything from before May 2004 sent as good will gesture. They said because its on microfilm it doesn't count as a "Relevant Filing System". However, I just got this from the ICO:- "Dear XXX Thank you for your correspondence dated 30 December 2008 in which you ask whether microfilm would be classed as a relevant filing system under the Data Protection Act. Manual data is only covered by the Data Protection Act if it is held in a relevant filing system. In your situation it will depend on how the microfilms are filed and labelled. I would be grateful if you could clarify which credit card company you made your request to as our office have recently ruled that Barclays and Abbey’s microfilms did form part of a relevant filing system, and so the data held was covered under the Act." Hopefully that will include Barclaycard as well, but I'm waiting to hear back. If so BC are gonna get blasted! I'll keep you all up to date.

Was about to go to the post office and post my claim letter, when I spotted this post on one of my other threads:- http://www.consumeractiongroup.co.uk/forum/show-post/post-1913598.html I assume the same is true of creditcards? I should seperate the claim for PPI and charges?

The one I found on here for excel. Complex bank charges calculator

Hi Rory, received my Six years bank statements. Nothing else though! So will send letter demanding everything. Also, I want to claim back my charges and Overdraft Protection Insurance on my current account, plus I was mis-sold PPI on my Barclayloan. Should I put it all in one letter or two seperate ones? Finally, Barclays were charging me 2.05% interest per month on my overdraft. How do I work that out as an APR for the CALC spreadsheet thingy? Is it simply 2.05 *12 = 24.6% APR?

OK, I want to claim back my charges and Overdraft Protection Insurance on my current account, plus I was mis-sold PPI on my Barclayloan. Should I put it all in one letter or two seperate ones? Also, Barclays were charging me 2.05% interest per month on my overdraft. How do I work that out as an APR for the CALC spreadsheet thingy? Is it simply 2.05 *12 = 24.6% APR?

finally a response from Barclays. Thank you for your recent request for statements. Please find enclosed copies of your last six years. No mention of SARs, no mention of anything else at all - no T&Cs, no loan agreements, no overdraft agreements .... nothing!

So you're saying that without a valid credit agreement the card company technically never had any right to apply interest, so you could claim it all back??

Right then ... I've worked out the calculations of what they owe me. What do I do now? Is there a template letter somewhere on here for creditcards with %age calculated monthly PPI? Do I just send the letter with the totals, or do I have to send all the calculations as well (i.e. a print of the spreadsheet)? Is it a major problem that I can't remember where or how I got the card? Can't remember if it was on the phone or in the bank. Also when do I claim from? The date of my SARs to now or just exactly six years back from todays date? A little clarity on the basics would be helpful Cheers samcam

see post 656 & 657 above

Actually there are already quite a few petitions about the FOS, FSA, etc:- Number10.gov.uk - Petitions - Search Results

Dougal, This thread is putting some bits together:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/175651-complaints-about-fos.html#post1896353 It was suggested on there that it all goes to Watchdog to see if any public airing of the problems could help. But perhaps if we get enough responses we could look at starting a petition on the No 10 website:- Introduction to e-petitions | Number10.gov.uk

Yes, but most are arguing that to comply with section 77-79 requests they simply have to provide you with T&C's as they were at the time you signed and T&Cs as they are now for comparision. Aparently the definition of a "true copy" doesn't have to include our signatures (which sounds like rubbish to me). See this letter from Barclaycard Legal Department - they are trying the same rubbish with me:- http://www.campbellphotographic.co.uk/images/barclaycard0002.jpg (my whole thread here:- http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162487-hello-newbie-need-lots-2.html)

G.A.I.N ?? Global Alliance for Improved Nutrition? Graphic Arts Information Network?

That's what I don't get. I got a letter in November from RMA stating that they are now acting as agents for Barclaycard (no mention of buying the debt), but as this account is in dispute I wrote back and said P'** off matey, and I haven't heard from them since (well, what I actually sent was this letter from slick132; http://www.consumeractiongroup.co.uk/forum/show-post/post-1831773.html). As for the spread sheet, I will have to split the amounts I'm asking for. I stopped paying the card in March 2008, but they continued adding late charges, PPI and interest until Nov 2008. So I need to claim back money I've actually paid, but also get the extra charges I didn't pay removed from the balance on my account. I assume I can do it like that, or do they just take anything they decide to actually give back as a credit to the account?

Ah ha! Thanks Hellhasnofury - it all makes sense now. The last statement I had says my interest rate is 24.9%. That should make a bit of a difference By the way, this one was at the bottom of the pile of statements:- http://www.campbellphotographic.co.uk/images/misccharges0001.jpg Does this mean they zeroed the account because they handed it over to RMA (in breach of CCA, but what the hey!)?

on the 8% page it adds up to £1873.05. What have I missed?

ok, so done this:- Now what do I do? All I can claim is £1524.36?? That doesn't seem right?

HELP! Going through my statements and the advanced calc form for excel. Where it says I assume I take the payment from the NEXT statement? eg: PPI charged to account on 20/11/02 £35.35. Payment for that was made a week or so later and appears on the next statement as:- 29/11/02 Payment, Thank You £100 Is that right? Otherwise the balances don't add up properly and I get confused!

studentatou, did the FOS uphold the DCA's claims?

It was only a suggestion:(. I just thought that perhaps some public humiliation might help kick start them or the FSA/government into making some changes - it sometimes works. It might also help highten public awareness of the concept of requesting CCA's etc. I know that before I found this forum I just assumed I had to either keep paying or declare myself bankrupt and hand over everything I own.

what constitutes hardship these days? My wife and I are both unemployed now (our business collapsed) and are in debt £30K. On HB as well. Our JSA and HB almost covers our rent, but luxuries like food, heating, electric, etc are a struggle.

Further to the letter from BC on page 2 of this thread (post #36) I have looked at the Data Protection Act with reference to "relevant Filing systems". All I can find that might be useful is this:- “relevant filing system” means any set of information relating to individuals to the extent that, although the information is not processed by means of equipment operating automatically in response to instructions given for that purpose, the set is structured, either by reference to individuals or by reference to criteria relating to individuals, in such a way that specific information relating to a particular individual is readily accessible. IMHO surely bank statements should still be supplied - because they are specific infomation to me and my account and would not be referenced or stored with any other information not applicable to me specifically (otherwise they would not be secure as they include sensitive/personal information which is protected under the DPA). Therefore they should be readily accessable regardless of the form of storage and the claim that they are on microfilm should not apply. Anyone have any thoughts on this?