Me v Barclays - Unfair bank charges

[avatari]

magical!

 

now, I don't mean to be cheeky....but could I please have a copy?

 

And how what such a document stand up in court, having been provided by a third party (especially one that the court may consider has a vested interest)?

 

Obviously, as stated, I am pursuing Barclays for the T+Cs, inc original from account opening, and am quite happy to force them to do so legally if necessary.

[MARTIN3030]

They will tell you that they dont have to supply them -and possibly say they dont have them.

I am happy to provide you with a witness statement for you to use against them if need be for later.

The terms and conditions themselves are no problem if passed from a third party,since they are documents that are not specific to one claimant but were relevant to all claimants.

 

Your first port of call should be Radbrook Hall -Barclays Data protection office if the CCA does not provide them.

In the meantime I can send you a copy of mine-I have no shortage since no less than 3 trial bundles were ordered during my case,such was the arrogance of Barclays legal affairs.

The paperwork went into 1000s of pages and were needing 6 files.

I will email you to get further details.

[MARTIN3030]

I should add that Barclays moniter these forums very closely and you should take care and remember this.

[avatari]

I should add that Barclays moniter these forums very closely and you should take care and remember this.

 

Point taken. Also PM sent.

 

One last Q - I have sent a SAR, not a CCA, to 1 Churchill Place. Should I also send a CCA request for the O/D facility on the current account. To Radbrooke Hall or Churchill Place? (okay, I know that's two questions!!)

 

Thanks for your help. Determined to nail these guys.

[MARTIN3030]

"Thanks for your help. Determined to nail these guys."

 

 

Ha Ha....you are not the only one !!

Pm recd by the way.

Dont worry about the difference-Its not a problem.

[avatari]

One last Q - I have sent a SAR, not a CCA, to 1 Churchill Place. Should I also send a CCA request for the O/D facility on the current account. To Radbrooke Hall or Churchill Place? (okay, I know that's two questions!!)

 

Sorry, I edited the above in after post, so you may have missed the questions above? Can you advise me on this please Martin?

 

I'll leave you to enjoy your evening after this, promise!!!

Edited March 27, 2010 by avatari

[MARTIN3030]

I didnt see this last night.

But will reply now.

 

The SAR request goes to Cheshire thats ok.

A CAA request should go to their registered offices.

[avatari]

Martin, all done as agreed in PM

[MARTIN3030]

Great.

[avatari]

Just to update, the SAR info is back and I have checked thoroughly. There was a massive amount, but no T&Cs. I have written back requesting this and pointing out thye will soon be in breach.

Will keep you posted. Soon in a position to submit amended defence hopefully.

[avatari]

Ok, an update on where we are at.

 

My letter back explaining that they have not fulfilled their obligations under the SAR met with a terse - and likley templated - reply that they either did not have the 'information' I requested (what you mean you don't keep copies of your own terms and conditions??) or that I was not entitled to it under a SAR (without categorically saying that T&Cs were or weren't covered). However, they did suggest that if I wished I could apply under the CCA for this information to a new address - so I duly did.

 

They have now returned my detailed and clear request for T&Cs (original and any subsequent amendments) under a CCA request s77-79, saying that under s77 (they only replied with relation to this, though I asked "under s77-79") I am not entitled to this information, as this is not a loan account and s77 applies to loans!

 

Are they right? Is it worth continuing?

 

Should I press ahead with applying to get the stay lifted through submission of a revised claim or keep going for this? I already have

 

1. Written evidence from Barclays that misrepresent their charges as administrative costs.

2. Charges from the period of this written misrepresentation.

 

Moreover, were it not for these charges, I would not have been overdrawn in subsequent months, hence I was for this period trapped in a debt spiral.

 

I should also point out that at the point this was stayed this was trackless, an allocation questionairre had been returned but the claim was then stayed before being confirmed for a hearing.

[avatari]

bump?