Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Thank you. There are two possible routes here. You could sue DPD – and then they would probably defend and they would also counterclaim for the unpaid delivery fee. Alternatively, they could go ahead and sue you and then you could counterclaim for the expenses of the damaged items. It would be better if they would sue you and the reason for that is that you would be the defendant and therefore if there was a hearing, it will be held at your local court which would save you a lot of inconvenience. If you sue them, then they become the defendant and if there was a hearing then it would be heard at their local court which means that you would have to travel and plan the logistics of this. Normally speaking you can counterclaim without paying a fee but where the value of a counterclaim is substantially greater than the value of the substantive claim, when you might have to pay a fee. If you with the claimant then you will certainly have to pay the fee anyway. So I suggest that your best interests are served by preparing to be sued and then if that happens then to defend and counterclaim. We will help you. If eventually they don't follow through with their threat, then you will have to sue them. Whichever is the case, you will need to be well prepared and that really means that you need to seek independent assessments and evaluations of the damage which has been caused and the value of putting it right. These independent assessments may cost you money – but eventually if you win then you will get this back. So for the moment, start gathering your evidence. Make sure that you are fully prepared with your independently verified documentation and then hope that they will follow through with their threat and sue you.
    • thanks for the response   The items arrived totally damaged and our customer sent them back and we had to re make all of the items again. This cost was just over £7000. Yes we are on a creidt type account, I asked for the compensation on the problem delivery and they decided to lie and cheat and then close the complaint. we did take photos and so did my customer, DPD said they could not use them as it didnt show enough detail. this again is untrue.    The invoice we are with holding is £530  We had to remake all of the work as mentioned above.    I hope this helps a little more  
    • Hi I use Martin Lewis Credit club and if I click on the defaults they say ‘account settled’ and the dates range from December 17 to Feb 18 under each tab. It also states the name of the new debt owner now and says last updated.    Will that be the default  dates or will I find it elsewhere?         
    • Hi Andy, yes they did + another £600 for flush and repair! I was surprised that they just accepted the FOS terms without a whimper. Cheque received and cashed.     @dx100uk Agreed. I read people having similar issues with getting repairs from ASG, not sure if it was on here or another site but they seem to adopt the same line about it being the customers responsibility to keep their system fresh and clean. My system was powerflushed in 2016 and by 2018 it was similar to having 4 blocked arteries. I have my doubts as to whether it was done.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 10 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
WebMaster

Webby v Barclaycard **WON with CCI and Older Charges**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3534 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Just getting my thread started.

 

SAR sent on 7th May.

Reminder/LBA sent on 18th June.

Partial compliance on 23rd June.

 

They chose to send me 6 years worth of copy statements, saying 'this is all we have'.

I've written back saying that my SAR wasn't limited to copy statements, and that if they hold any data on microfilm/microfiche, they need to supply this too (I'm aware of other thread on here in which Barclaycard have admitted to holding data on microfilm, but claim the DPA doesn't force them to reveal it).

 

They've got another 7 days, so lets see what happens next week.

Share this post


Link to post
Share on other sites

Hi Webby,

 

Are you looking to reclaim any charges from the last 6 years, or are you hoping to get sight of your credit agreement too.

 

If the latter, please don't hold ya breath !! ;)


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 !:-)

Share this post


Link to post
Share on other sites

Nah I'm not bothered about the CCA - just charges. I've counted up 260 quids worth so far, and suspect there will be quite a bit more older than 6 years (back when I was a student)

Share this post


Link to post
Share on other sites

Letter sent to Barclaycard on 23rd June (as describe in post #1)

LBA sent on 4th July.

 

No reply to either, so it's N1 time. I'll be using a standard template (http://consumeractiongroup.co.uk/resources/templates-library/48-bank-templates/130-data-protection-act-non-compliance-particulars-of-claim-) as the basis of my PoC; but should I start going into detail about microfilm, or just keep it basic?

 

Barclaycard have already admitted that they hold customer data on microfilm, and claimed that it didn't fall under the scope of the DPA. Apparently the ICO investigated this a couple of years ago, and concluded that it *did*. Should I include this in the PoC, or simply say that they've failed to fully comply with my SAR?

Share this post


Link to post
Share on other sites

Hi Webby,

 

I assume you've read the Sticky about BC, their Microfiche and the ICO.

 

I think you should add to the POC that you're aware that a/c data has been stored on Microfiche going back beyond 6 years and this data has been held to be relevant data to be disclosed in a SAR according to the ICO.

 

Please also see this Sticky about when BC started to charge so you can decide if it's worth digging further back - http://www.consumeractiongroup.co.uk/forum/barclaycard/151305-barclaycard-charging-earlier-than.html


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 !:-)

Share this post


Link to post
Share on other sites

Cheers, yeah I added this stuff to the PoC (I'd seen the thread about the ICO too).

 

Anyway, it went off in the post yesterday morning, so we'll see what happens

Share this post


Link to post
Share on other sites

Right, they've replied back:

 

Thank you for your letter dated 4th July

 

May I take a moment to advise that we did not receive your original SAR made on 7th May. We are in the process of actioning your request made 23 June and will be writing to you again soon

(by the way, does anyone else hate 'actioning' or 'we will action your request')

 

23th June was my LBA.

 

Considering that they cashed the cheque sent with my SAR of the 8th May, and have already partially complied with it, stating they didn't receive it is clearly rubbish.

 

Anyway, my N1 has been submitted now, so lets see if they try to use this as a defence

Edited by WebMaster
corected my speling

Share this post


Link to post
Share on other sites

errr. if this was true why havent they screamed for the £10 fee... when has a credit card firm ever done anything for free? :-D

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

Barclays had until the 30th July to submit a defence or aknowledgement, and they don't appear to have done either (unless it went in right at the last minute and the court haven't yet mailed me).

 

Just to summarise, my claim was for 50 quid compensation, and I asked for a court order forcing them to comply with my SAR.

 

I can use the form supplied by the court (when they processed my N1) to ask for a default judgement. Do I need to do anything special regarding forcing Barclaycard to comply with the SAR? Will this automatically be dealt with if I ask for judgement?

Share this post


Link to post
Share on other sites

Hi Webby,

 

First off, can I check that you filed in court citing Barclays Bank PLC - t/a Barclaycard and their Churchill Place address.

 

Second, have a quick word with the court and see if there was a last minute response.

 

Thirdly, if court's not heard from BC, apply for judgement in accordance with your claim as files, ie seeking an order for the production of data and for compensation.


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 !:-)

Share this post


Link to post
Share on other sites

I listed the defendant as

 

Barclays Bank PLC

1 Churchill Place

etc etc

 

Does it matter that I didn't specify 'trading as Barclaycard'?

Share this post


Link to post
Share on other sites

Can't say if it'll matter but we have seen BC wriggle out of a default judgement against BC.

 

Did your POC mention BC at all.


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 !:-)

Share this post


Link to post
Share on other sites

Hmm no, the POC simply referred to them as the 'defendant'.

 

Anyway, we'll see what happens after I ask for judgement

Share this post


Link to post
Share on other sites

It may be all fine and dandy because, in this instance, you are probably fine litigating against Barclays who should supply all data including BC stuff.

 

But certainly, if you have to file against BC for charges or anything else, use the full name of B's t/a BC.

 

See what happens next, as you say.


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 !:-)

Share this post


Link to post
Share on other sites

My fault. When I didn't hear back from the court after 14 days had elapsed, I assumed BC hadn't filed a defence (I assumed they'd notify me if they had).

 

Anyway, BC have submitted a defence. The two key arguements are:

 

1) Claiming they didn't receive my original SAR. They've cashed the cheque; I should be able to argue this.

 

2) Claiming microfiche is exempt. Their words are:

 

The Claimant's statements prior to 2003 are held on microfiche in the Defedant's National Records Storage Centre. The Defedant avers that information held on microfiche is not considered as part of a 'relevant filing system' as defined by section 1 of the DPA 1998. This is because microfiche does not provide the same or similar accessibility as a computerised filing system. S 7 of the act does not apply to this information.

 

Paragraph 5 is admitted, save for the statement that 'the iCO has rules such data is not exempt'. The claimant is put to proof on this point.

 

I'm aware of the sticky regarding this, but couldn't actually see anything from the ICO stating this (I've Googled).

 

Given how long the ICO take, is it worth me taking the matter up with them, hoping they'll give me something to use as evidence?

 

Should I contact BC directly and argue my points, in an attempt to reach an out of court settlement? Or just fill in the AQ and forget about things for now?

Share this post


Link to post
Share on other sites
My fault. When I didn't hear back from the court after 14 days had elapsed, I assumed BC hadn't filed a defence (I assumed they'd notify me if they had).

 

Anyway, BC have submitted a defence. The two key arguements are:

 

1) Claiming they didn't receive my original SAR. They've cashed the cheque; I should be able to argue this.

 

2) Claiming microfiche is exempt. Their words are:

 

 

 

I'm aware of the sticky regarding this, but couldn't actually see anything from the ICO stating this (I've Googled).

 

Given how long the ICO take, is it worth me taking the matter up with them, hoping they'll give me something to use as evidence?

 

Should I contact BC directly and argue my points, in an attempt to reach an out of court settlement? Or just fill in the AQ and forget about things for now?

 

Think it would be worth giving ICO a ring, the sticky just contains a letter sent from the ICO so whilst useful its not the mind blowing evidence needed IMHO :-D

 

...........................Following our visit, we concluded that the microfiche system used by Barclaycard is a relevant filing system for the purposes of the Act. This means that in our view the information is personal data and should have been supplied as part of your SAR within 40 days and for a maximum fee of £10. As a result, it is our view that it is likely Barclaycard has contravened the sixth data protection principle, as this requires data controllers to process personal data in accordance with data subjects' rights.

 

If they give you a quote, give Sharks one last chance so the court can see your being reasonable, set a deadline for response prior to AQ having to be in.... if nothing doing file and wait imho.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

If BC don't have to supply records kept on microfiche,then why did they send me my 1993 application form on microfiche--and I know I'm not alone.

 

http://photo-hosting.winsoftmagic.com/1/eyuq21iud8.jpg

 

unless this isn't a copy from microfiche?

 

 

As most banks usually offer to supply a copy of a statement for a fee,why not ask BC for a specific statement from before 2003 and see what they send you?

Share this post


Link to post
Share on other sites

PS

Meant to add that my SAR was sent in May and have had 4 parcels sent to me in since then with the last one just a couple of weeks ago with a note to say that more would be sent from the appropriate departments!

Share this post


Link to post
Share on other sites

Hi Webby,

 

I think a quick letter to BC is the way to go here.

 

Say BC are still suggesting that their Microfiche data does not have to be disclosed. Say you are aware of the ICO opinion about this given to BC customers back in November 2006.

 

Ask if they would kindly confirm in writing that they still agree that BC's system is a "relevant system", for which they must supply data in response to a SAR.


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 !:-)

Share this post


Link to post
Share on other sites

I contacted the ICO a few days ago, but haven't had a reply yet - no doubt it'll be a month or two before anything happens). I've also put in a complaint regarding BC/microfiche - It'll allow me to say in court that it's the subject of an ongoing investigation.

 

Sadly someone was telling me that the ICO can be a bit reluctant to get involved with legal disputes, but we'll see.

 

In the meantime, I came across this very interesting PDF:

 

http://www.whatdotheyknow.com/request/1489/response/4800/attach/3/Letters%20sent%20to%20banks.pdf

 

, which contains letters sent by the ICO to Barclays, Lloyds, and Abbey

Share this post


Link to post
Share on other sites

 

2) Claiming microfiche is exempt. Their words are:

 

The Claimant's statements prior to 2003 are held on microfiche in the Defedant's National Records Storage Centre. The Defedant avers that information held on microfiche is not considered as part of a 'relevant filing system' as defined by section 1 of the DPA 1998. This is because microfiche does not provide the same or similar accessibility as a computerised filing system. S 7 of the act does not apply to this information.

 

Paragraph 5 is admitted, save for the statement that 'the Information Commissioners Office has rules such data is not exempt'. The claimant is put to proof on this point.

 

 

 

They didn't seem to have a problem when I requested my husbands statements in 2007. They sent the microfiche copies for 2002 to 2004 about a month after the computer stored copies were received.

 

 

enamae


Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

Share this post


Link to post
Share on other sites

Hi Webby,

 

I've seen your post on the "BC Microfiche" Sticky thread and read the ICO's letters with interest.

 

Let's hope your complaint to the ICO now will confirm that nothing's changed and BC are obliged to provide older data which is stored on their MicroFiche system. :)


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 !:-)

Share this post


Link to post
Share on other sites

just subscribing as I've just sent SAR request to Barclaycard. I want all my statements to claim back PPI - doesn't look I'll get them without a fight though!

Share this post


Link to post
Share on other sites

Share this post


Link to post
Share on other sites

Yep, I've seen those threads cheers.

 

It seems to be standard practice for the banks to file a defence to claims, even if they have no intention of letting them reach court. So at this stage I'm still hoping they'll change their mind and cough up. But if not, I'll be well prepared

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...