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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Abbey and the Data Protection Act


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Can someone help please? Barclaycard responded to my claim by saying that they will reply to my letter in 28 days.Can I ask them to reply earlier? They are probably taking their legal time allowance to answer.

Thanks

berytus

 

Berytus

 

You should have a good read through the step by step guide and follow them, this is the tried and tested method to reclaiming your unlawful charges.

 

With regards to time frames, its your claim and if you follow the step by step guides it sets out how long you allow them.

 

If they cannot be bothered to respond to a threat to sue in a reasonable time thats their problem.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Is there a specific paragraph/quote I should add to the letter relating to the Information Commissioner's finding? Any help is gratefully received. :o)

 

If you copy and post the letter above and inform them this is what the Information Commissioners Office is telling those who have complained about Abbey and that their system is also relevant that would be good i think.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Thanks for that. I am off to copy and paste it now!

shABBEY Acc 1: SAR sent 25/04/06; Microfiche Fob Off Letter rec'd 03/06/06;DPA disclosure request sent 09/06/06; 2nd Microfische Fob Off Letter rec'd 12/06/06; LBA sent 02/11/06; Almost complete statements rec'd by 24/11/06!

shABBEY Acc 2: SAR sent 02/11/06; 12 months of statements plus re-worded microfiche letter rec'd 15/11/06;

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re Glenn's #63 post I received that letter concerning shAbbey today. Ooooh it does make me feel good - even though it isn't illegal, YET!

 

HEARTY THANKS FROM ME TO GLEN AND ALL THE HARD WORKERS BEHIND THE SCENES.

Wanabee:cool:but easily :confused:ed!!

23/6 Data Protection Act + £10

6/7 Pam Speed ltr

7/71 yr sttmts (2nd a/c) Faxed auth. 4 £10m'fiche

9/7 Screen prints 1 1/2 mths 1st a/c/2 1/2 mths 2nd a/c

11/7 20 mths sttmts 1st a/c

25/7 DPA reminders

1/8 40 DAYS UP & NOTHING

5/8-8/9, 7/8 3 "sorry not happy"/"m'fiche not covrd"ltrs

9/8 IFO form & backup mat'l

10/8 LBA/calcs 2 Dawn Hoyle

CHECK COPY STMNTS - DON'T HAVE CHARGES AT FRONT

12/8 a/c info fm 2001

18/9 £505 GWP offer

26/9 Rej. ltr/7 days 2 court action (1st a/c)

10/10 Moneyclaim form online (1st a/c)

20/10 Ack of Serv rec'd

3/11 AQ 2 court

20/11 Abbey AQ @ court

4/1/2007 Preliminary court hearing due

30th Dec. 2006 REC'D FULL PAYMENT INTO BANK ACCOUNT - ABBEY's WITHDRAWN!!:D

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Hi,

 

I wanted to wish Good Luck to everyone!

 

Is there and date when the IC will release their finding for barclaycard?

 

As i have also been refused by them,

 

hondamad21

__________________

EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts

Monument CC: received statements, now need to send letters. . . !

BoS Current Account: Settled

Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!

 

:-D:p:D

This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales :D

 

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Hi All

 

Has anyone sent the seven day letter off to abbey and got thier staements within that period,and I take it the 7 day letter is just to be docterd by ourselfs to send?

 

Any one point me to a good thread on the credid card companies,whats the story with claiming back from them are all thier charges ilegal too???????????????

 

mikeb

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Hi All

 

Has anyone sent the seven day letter off to abbey and got thier staements within that period,and I take it the 7 day letter is just to be docterd by ourselfs to send?

 

Any one point me to a good thread on the credid card companies,whats the story with claiming back from them are all thier charges ilegal too???????????????

 

mikeb

 

Mike, credit cards was the main investigation that the oFT have already reported on so their charges are particularly reclaimable. Just use the same approach and modify the template letters as needed for the card your reclaiming from.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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whats the story with claiming back from them are all thier charges ilegal too???????????????

 

Be careful with your wording too, charges are "unlawful" not "illegal".....

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi

I have the first letter ready to post to abbey for my statements, but am now pooping myself when I see how abbey seem to be happy to go to court!!!

does anyone have any positive news about them?

 

Hi Hollyblue,

 

Send your SAR and try and understand Abbey along with every other bank are not happy to go to court. So far none of them have actually appeared at a court, bit they do like to push us and our claims as far as they can in the hope we will forget it.

 

I don't doubt that one of them will eventually try and argue the case in front of a judge but don't worry as the support on this site is superb. Besdies which and before Karnevil or Glenn get in I will be the one they pick on :lol:

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Dear All

 

Just a small update, I spoke to the ICOs office today, they are expecting to write to those who complained (edit : about barclaycard that is) in the next week or so, yeah I know we have heard that before, if its any comfort my contact acknowledges that fact that she has told me this before.

 

Anyway I am sure that the letters will go out soon, I haven't heard anything to suggest that the Information Commissioners Office has changed its position since they sent the Abbey letter out.

 

One thing she said is that they haven't heard from Abbey customers who are still waiting for their statements past 40 days. So if thats you make sure you send the details on to them so they can make sure Abbey fulfil their duty under the Data Protection Act.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I am delighted to report that I phoned Abbey and informed them that I knew what the Commissioner had decided and lo and behold, the statements arrived yesterday. Hold out for things - that took them two weeks but theya re obviously beginning to fall into line.

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Morganna

Which number did you ring them on? Have you got the number for the Regulatory Compliance department?

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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Hi

 

I recently had the microfiche response from Abbey when I requested the information for the last six years. I paid my £10 but as yet I have not received anything even though my 40 days are up on Monday. I spoke to them this morning only to be told that the microfiche information can take anything up to six weeks to retrieve but I will receive it eventually. The chap I spoke to was very sympathetic to my situation, when I told him that I discovered in October that for one month I had paid over £550 in charges which had prompted me to ask for the information. As a result of of my first letter to them my overdraft limit had coincidentally been dropped. So now in the last week I have received 9 cancelled direct debit payments all of which have been charged £35. He went on to advise me to cancel all my direct debits and then to speak to their debt management department.

 

I have spoken to them about a debt management solution but am not happy with the overall attitude and simply says from them that the charges will be applied and that is the end of that...even though the level of charges are perpetuating a bad situation.

 

I am so furious with the attitude:mad: . I have usefully spent the last four hours this morning going through some of the posts, docs etc. and have found great information.

 

Any suggestions as to my next action?

 

Thanks!

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Hi

 

I recently had the microfiche response from Abbey when I requested the information for the last six years. I paid my £10 but as yet I have not received anything even though my 40 days are up on Monday. I spoke to them this morning only to be told that the microfiche information can take anything up to six weeks to retrieve but I will receive it eventually. The chap I spoke to was very sympathetic to my situation, when I told him that I discovered in October that for one month I had paid over £550 in charges which had prompted me to ask for the information. As a result of of my first letter to them my overdraft limit had coincidentally been dropped. So now in the last week I have received 9 cancelled direct debit payments all of which have been charged £35. He went on to advise me to cancel all my direct debits and then to speak to their debt management department.

 

I have spoken to them about a debt management solution but am not happy with the overall attitude and simply says from them that the charges will be applied and that is the end of that...even though the level of charges are perpetuating a bad situation.

 

I am so furious with the attitude:mad: . I have usefully spent the last four hours this morning going through some of the posts, docs etc. and have found great information.

 

Any suggestions as to my next action?

 

Thanks!

 

First Jade start a thread of your own to make it easier to keep track of your story. Then read all the FAQ's and as many threads as possible just so you get a clear picture in your mind of the process we follow.

 

I think you should get another bank account and move all your day to day banking into it as soon as possible. That will ease the pressure a little bit and give you time to start the process of getting those charges back.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Hi Glen Et Al,

 

Is there any more info regarding ICO Barclaycard discussions? I sent a Subject Access Request of to them back on 3rd Sept and got the Microfiche argument. They sent statements from after I settled to the present day which was not what I wanted. I then complained over the phone and they refunded the £10 cheque.

 

I have been waiting to finish the claim with Barclays to have funds to pay them £126 to get my statements but having read the above thread I am going to play this differently now. Just a couple of questinons though.

 

1) As they have refunded the £10 would it be advisable to start another SAR referring to the ICO findings with Abbey?

2) Should I acknowledge the previous letter from Barclaycard and say due to further information which has come to light I am requesting statements prior to June 2004 blah blah blah.......

3) Should I complain to th ICO (If so what is their website and postal address)

 

Any thoughts would be welcomed

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It is likely that the Barclays will get the thumbs down from the IC in the next week or so.

Watch out for announcements.

 

We have always said that Barclays were in breach of their statutory obligations.

 

These people want to be left alone to self-regulate but they have all made it clear that they are not to be trusted.

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Thanks Bankfodder,

 

Have you got the Information Commissioners web address or postal address so I can make a complaint about Barclaycard refusing to let me have statement information prior to June 2004?

 

Do you think I should wait until we hear about the findings and then start a new SAR as they have already refunded the £10 I sent them in Sept?

 

Tanz

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Pm this for you.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi

I have the first letter ready to post to abbey for my statements, but am now pooping myself when I see how abbey seem to be happy to go to court!!!

does anyone have any positive news about them?

Hi, just a word of warning, when sending letters to Abbey (and probably every other bank) send it Special Delivery. It is more expensive but it is guarenteed to get there the next day. I have recently restarted the process (although I am already asking myself why, as I clearly do not have a clue, can't even work my way round this site properly) and sent my letter recorded delivery. That was on 02 Nov, it has still not been signed for! The post office have told me that when they deliver post to large companies like banks, they give them the whole lot in a big crate and it is sent to some department where they work through it. As a result, 11 days on my letter has not been signed for which throws all the deadlines out of wack. Hope I am not repeating any previous advice. Thanks.

shABBEY Acc 1: SAR sent 25/04/06; Microfiche Fob Off Letter rec'd 03/06/06;DPA disclosure request sent 09/06/06; 2nd Microfische Fob Off Letter rec'd 12/06/06; LBA sent 02/11/06; Almost complete statements rec'd by 24/11/06!

shABBEY Acc 2: SAR sent 02/11/06; 12 months of statements plus re-worded microfiche letter rec'd 15/11/06;

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As an alternative to using special delivery, use first class post and get a proof of posting and put a return address on the envelope.

 

If it doesn't come back its deemed served two days after posting.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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