Honey v Barclaycard

[Mr lex]

Hi Slick,

 

I have to hold my hand up to this one It was written by Tanz, me and several others on here when I was having problems getting every last bit of info. out of HSBC

 

It may be a little overcomplicated but it does cover everything that Barclays try to wriggle out of. In the past, with me, they have sent the bare minimum of statements and transaction history

 

There are a number of issues here that need to be addressed. The fact that Barclaycard took over Monuments accounts means we need every letter that may have been sent and not received about the 'Change over' i.e.notiferction of change of the account name, agreements and T&Cs.

Honey doesn't recall getting any of these.

 

I have found that asking for the Data controller's name tends to sharpen them up after that Judge threatened a jail sentence for noncompliance several months ago.

 

I just felt that this S.A.R. needed to be a bit more thorough than usual. It can soon be simplified if you think it needs to be.

 

Thanks for your input Slick

 

Honey, this is what I mean about posting everything here, the more people that read your thread the more help we can give you to get it right:D

 

BTW Honey if you have your old Monument account number I would include it at the top.

 

Lex

[slick132]

Hi MrLex,

 

Thanks for the info and I hope it helps Honey get what's needed.

 

Honey, as MrL says, its really best to keep everything on the open forums so if any of us make a mistake, some other clever bod will come along and correct it. It helps everyone who is learning the ropes and it's easier to follow your case.

 

Finally, please ask ANY questions you may have - far better to answer a quick query than to try and correct mistakes cos you felt daft asking.

 

Helps always close here.

 

Slick

[Gazza01]

Hi all,

 

Nice one, I'll be using this in Jan 08' as Barcleys is giving me the run-around about who holds the accont details.

 

Gazza01

[honey5]

thankyou for all of your help Lex youve been a true star xxx

sorry havent been online but lifes been a bit hectic and puter died and this vista is horrendous lol

so that letter will be fine to send ???,

yes Lex ive actually managed to find an old monument statement with the account number, the only thing that does worry me is that when BC rang and said there was a payment outstanding on that account (and no i honestly havent recieved any letters from either monument nor BC with regards to the handover) i never questioned them i just paid them, which to me seems silly now after reading the forum but i wasnt aware that i could refuse

honey x

[Mr lex]

Hi Honey,

 

I wondered where you had gone I hope you have had a nice, stress free Xmas and your getting your head around 'Vista'.

 

Yes, go ahead and send your letter now you've add the Monument account number that will be fine. They will then have 40 days to respond. Please let us know the date you send it and we will guide you on the next steps if you need it !!

 

Your on your way to getting your money back !!!

 

Lex

[honey5]

thanks honey x oh ill need your help for sure, my stomaches in knots just thinking about it, im like a fish out of water with this seriously i am, are they going to get nasty coz im not sure i can deal with it lol bloo9y pathetic i am i know

honey x

[Mr lex]

Hiya again,

 

So many people have had their charges returned now that they rarely get 'nasty' or they would have no customers left, LoL.

They will try and wriggle out of it and give you all sorts of reasons and excuses why they don't have to pay you back. Ignore them and listen to the good folk on this site, follow the step by step guide and you will have your money back in a few months.

 

Now would be a good time to read the Barclaycard *WON* cases, that will give you a good idea of what is going to happen over the next few weeks.

 

Lex

[Paintball]

Hi Honey

 

Don't forget to send you S.A.R - (Subject Access Request) by first class recorded delivery and get a receipt from the PO, then you can check the letter's delivery to Barclaycard using the Royal Mail online Track and Trace Service. Once your letter's been delivered, make a note on your calendar as to when the 40 day period expires so that you can move on to the next stage ...

[Mr lex]

Hi Honey,

 

Paintball is right on target there !!! Always send any mail to the banks by recorded delivery, then they can't deny they have received it !!!

 

If you have read any of the *won* threads, you will see that the first letter you recive from Barclaycard will be to tell you they are 'looking into it' and will get back to you sometime in the not forseeable future. They might even send you some nice little leaflet's. Take no notice, you are calling the shots now, they have to work to your timetable.

 

Lex

[Paintball]

Honey, you are, as Lex points out, calling the shots here ... Can I also suggest that you change your thread header to something like Honey vs Barclaycard (or whatever), cos your NOT stupid, just a beginner as we all were at some point.

Painty x x

[caro]

If someone has found their way to CAG and taking on the big boys they cannot possibly be stupid. Title happily changed.

[Mr lex]

Nice one Paintball

[honey5]

thankyou x

i have printed the letter off with account details etc, do i send it to Barclaycard????

the other concern being that i have made a payment on this account last month when they rang

honey x

[Mr lex]

Hi Honey,

 

This is the address you need

 

BARCLAYCARD.

PO Box 5592.

NORTHAMPTON.

NN14 1ZY

 

That still seems to be the most up to-date one we have.

 

Lex

[Paintball]

If someone has found their way to CAG and taking on the big boys they cannot possibly be stupid. Title happily changed.

 

Hey Caro, that was quick work ... I think a positive title sets one up for the task ahead

 

thankyou x

i have printed the letter off with account details etc, do i send it to Barclaycard????

the other concern being that i have made a payment on this account last month when they rang

honey x

 

I see no harm in paying them as it shows that you are doing the right thing, but others may wish to state their opinion on this. When B/card get your Prelim letter (shortly) they will see that you are not happy about the bulk of what you 'owe' them which is made up of charges and they'll realise that you are not prepared to take any nonsense from them. Don't forget to let us know what their reply is and folk can give you the benefit of their advice and guidance ...

 

Happy New Year ...

[Paintball]

Nice one Paintball

 

 

Happy New Year to you Mr Lex ... x x

[Mr lex]

I concur with Paintball,

 

Afraid it's best to keep paying the minimum for the moment, we can reconsider, as PB says, at prelim stage.

 

Lex

P.S Happy new year Honey & Paintball xx

[honey5]

oh i dont mind or didnt/wouldntve, had i realised and/or been informed that i now have two BC's

thanks for all of your advice thus far

 

and hope you both have a

very happy new year and a prosperous one at that xxx

thinking of you all whilst im on night shift tonight

have a good one

honey x

[Mr lex]

Oh Bless, Honey,

 

Have a good shift, I hope it passes quickly for you !!

 

Have a great 2008

 

Lex

[honey5]

well the only reply i have had from these tinkers was an application for for a SECURED loan for 25~100k

do i send off the letter again??

(plenty of phone calls from them which have been left unanswered)

honey x

[Mr lex]

(plenty of phone calls from them which have been left unanswered)

honey x

 

Well done Honey, thats the way !!

 

Have a read though this :- http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

I suggest you send 'Template 3' with another copy of your SAR and see what happens next. Could you let us have the date you sent your first letter please Honey ? It's important that the 40 days have expired.

 

Lex

[honey5]

hello Lex it was fri 4th jan that it was sent

honey x

[Mr lex]

Hi Honey,

 

O.K. Allowing for post time, that make's their time up on the 16th of February. You can send them a reminder now, thats template one here :-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Send a copy of your first letter as well. Recorded Delivery of course !!!

 

Lex

[honey5]

hello just me again

ive found quite a few monument statements (this is the card which has been taken over by BC) as i have the account number and can see quite a few charges on the statements should i S.A.R - (Subject Access Request) them (monument i mean)

honey x

[slick132]

Hi Honey,

 

Is it poss that the Monument info will come back with SAR'd info.

 

If not, then SAR Monument too.