I Just want our money back!!

[The Druid]

STAGE ONE: Data Access Request. (They have 40 days to comply. If they do not comply, report them). STICK TO YOUR DEADLINES

 

STAGE TWO: Get enough paperwork to give postman a hernia. What you want is copies of ALL letters relating to your account, AND statements for the last SIX years. (Make sure you get these, the rest of the paperwork they send you, you will be unable to make any sense of).

 

STAGE THREE: Add up ALL the times they've charged you for sending you a letter. These are for unpaid direct debits, unpaid cheques etc. DO NOT INCLUDE INTEREST CALCULATIONS AT THIS STAGE

 

STAGE FOUR: Send preliminary request for repayment, enclosing schedule of charges you are claiming. (14 day deadline on this one). If they try to fob you off, write back and remind them their 14 days is running out. DO NOT phone them, DO NOT enter into conversation with them. If they offer you anything other than the full amount, accept it. BUT ONLY as an interim payment against the full amount.

 

STAGE FIVE: After 14 days, send L.B.A (Letter Before Action). (14 days deadline on this one too).

 

STAGE SIX: If you hear nothing back after this time, TAKE 'EM TO COURT........THIS IS WHEN YOU ADD INTEREST CHARGES TO THE TOTAL AMOUNT YOU ARE CLAIMING BACK

 

 

All letter templates can be found in the library, plus spreadsheet programs. EVERYTHING you need to know to get your money back can be found on the boards, or in the FAQ's. There are hundreds of people on here who can help you, BUT ONLY if you are prepared to help yourselves.

 

I've noticed that people are asking the same questions time and time again, BECAUSE THEY HAVEN'T READ THE FAQ'S. Read the boards. There are people on here that are at every stage of the process.

[kathb00]

nikki

give them the 40 days and no more they might be stalling.

Kathy

[xxxNikkixxx]

Thanks Druid, I've been reading the boards for weeks plucking up the courage to start action myself lol, I think I'm gonna send another letter just to remind them that its still a SAR, I still want statements AND letters and that they only have so many days left of a 40 day deadline.

[The Druid]

THAT'S THE SPIRIT !!

Remember, you're the one thats paying the fiddler, so make sure Barclays dance to YOUR tune !! All the best.

[xxxNikkixxx]

Just looking online at a bank statement (looking for charges lol) and I've just seen that Barclays have taken out debit comission! 1 is for £10 and one is for £6-80! Does anyone know what this is, I've never seen it on any other statements.

Thanks

[kathb00]

hi ya nikki i have just noticed that this morning they have taken 10.00 and 4.80 and called it commission. I have never seen this before either. must admit its got me confused too

[The Druid]

Do either of you do any money transfers overseas? Do either of you pay bills to overseas companies over the internet, for example, online gaming companies in the US of A.? The bank will pay in the currancy of that country, and charge commission for doing it. But, unless the amounts you are paying are quite substantial, the amount you have been deducted would appear a bit steep. I would phone your bank branch up and ask them to explain it. If the answer you get does not make any sense to you whatsoever, just add it to the amount you claim back when you take the b******s to court. Good luck.

[bearo]

http://www.consumeractiongroup.co.uk/forum/barclays-bank/16524-mamma-caz-barclays-help.html

check out this thread, seems someone else has these fee's as well, perhaps it may give you some info on with this commison is!

Good luck

Sharon

[xxxNikkixxx]

hi ya nikki i have just noticed that this morning they have taken 10.00 and 4.80 and called it commission. I have never seen this before either. must admit its got me confused too

Just claim for it anyway, thats what I'm going to do, Its just more money they are taking out of our accounts without letting us know first!

[xxxNikkixxx]

Do either of you do any money transfers overseas? Do either of you pay bills to overseas companies over the internet, for example, online gaming companies in the US of A.? The bank will pay in the currancy of that country, and charge commission for doing it. But, unless the amounts you are paying are quite substantial, the amount you have been deducted would appear a bit steep. I would phone your bank branch up and ask them to explain it. If the answer you get does not make any sense to you whatsoever, just add it to the amount you claim back when you take the b******s to court. Good luck.

Thanks Druid, I've no idea at all what it is we dont pay anything at all overseas so all I can assume is its Barclays taking more money from us and finding another name for it to justify them taking it! I will be claiming it back.

[xxxNikkixxx]

http://www.consumeractiongroup.co.uk/forum/barclays-bank/16524-mamma-caz-barclays-help.html

 

 

check out this thread, seems someone else has these fee's as well, perhaps it may give you some info on with this commison is!

 

Good luck

Sharon

Thanks for that Sharon, maybe they're just taking a little off of all of us to help them pay all these claims back lol

[xxxNikkixxx]

ACCOUNT NUMBER: xxxxxxxx SORT CODE: xxxxxx

Dear Mr Townsend

 

Thank you for your letter of 24th August regarding my Data Protection Act S.A.R - (Subject Access Request) letter.

 

I would like to remind you that irrespective of the return of my £10 you are still under obligation to send me the data within the maximum time period specified under the Data Protection Act 1998, I will accept copy statements or a computer printout of all data held by you. I would also like copies of all letters and all other correspondence.

 

My original request for information was made on 22nd August and consequently you have 30 days left to comply.

 

I look forward to your reply

 

Sent on the 2nd September

More waiting!

[victimnomore]

A couple of points:-

 

You can't assume that "commission" equates to "unlawful", see the post I've just added to the Mamma-Caz V Barclays thread.

 

Also, I've had the same experience of a sudden interest in my overdraft being £7 (yes SEVEN pounds!!) over it's limit - the first such call I've ever had in more than four decades of banking with Barclays. I think they're trying to be intimidating - but I just find it amising. (see my thread Victim no more v B B Barclays)

[xxxNikkixxx]

A couple of points:-

 

You can't assume that "commission" equates to "unlawful", see the post I've just added to the Mamma-Caz V Barclays thread.

 

Also, I've had the same experience of a sudden interest in my overdraft being £7 (yes SEVEN pounds!!) over it's limit - the first such call I've ever had in more than four decades of banking with Barclays. I think they're trying to be intimidating - but I just find it amising. (see my thread Victim no more v B B Barclays)

I actually just posted on mamma caz's thread lol, re-checked my statement online and both debit comissions had changed. ! is now overdraft protection and the other is an account fee and I cant claim either of them back!

[xxxNikkixxx]

Think I've Made my first cock up!! I didn't realise I had to send another cheque with my last letter

Recieved this from P Townsend this morning

 

DATA PROTECTION ACT

I refer to your letter 1 september.

 

Your above letter appears to reguest information not sought in the previous letter of 33 August.

 

The bank has confirmed that duplicate statements are in course of preperation and these will be provided without charge.

 

If you now require further information, the bank is entirely willing to supply the general information that should be disclosed due to the DPA. To initiate the process Barclays will require payment of a £10 fee per individual which should be provided by cheque, payable to Barclays plc, directly to this department. Upon payment of the fee(s) the relevant information will be supplied as promptly as possible.

 

I assume if the statements arrive now before the other stuff I can still proceed with sending my preliminary approach letter while I wait for them?

[victimnomore]

Just a thought, for what it's worth...

 

If you have enough information to proceed without missing out on any money, then my advice would be to do so.

 

If, on the other hand, you do need more info from them that was not in your original request, they are (legally at least) entitled to ask for the statutory fee. However, if you do decide you need to pay them, then you could make sure you get your money's worth by demanding ALL information on you covered by the Data Protection Act; that is, I believe (but I'm not a legal expert!) every piece of personally identifiable data they have on you in their files (whether computerized or not) since you opened your account.

 

I don't know what anyone else thinks, but it seems to me that Barclays have come up with a rather devious "game plan" for dealing with SARs. A request for disclosure of information under the Data Protection Act would involve the bank in a lot of effort and would surely cost them a lot more than £10. But most customers (e.g. those of us wanting to reclaim charges) only really want STATEMENTS, and only want them for the last six years. So what Barclays seem to me to be doing is "pretending" that that's what they’ve been asked for! That's why they return the £10 - under their own rules (we know they don't take any notice of anyone else’s!) their service charge for "Copy statement (per request per account)" is only £5 for most customers, and free for platinum banking customers.

(see here Accounts & services rates & charges : Barclays Personal Banking)

[xxxNikkixxx]

Thanks victimnomore, am I right in thinking then that I dont need copies of every letter they've ever sent me then just the statements? I thought I'd swotted up and knew everything I needed to do up to my LBA but not so sure now!

[kathb00]

Hi nikki

you just need copies of your statements. have you had them yet? dont let them baffle you with bull****.

[xxxNikkixxx]

No statements yet but they have still got til the 2nd Oct so I'm not holding my breath for them to be here soon!! Peter Townsend tells me they are in preperation! Hows things with you how you getting on with yours now Kath?

[kathb00]

i have noticed where ever this peter townsend is involved there seemes to be a delay i had no problem getting my statements it was here in just over a week. have you had any trouble getting your statements i havent had any since i put my court papers in i used to get them every 2 weeks. now the commision charge have changed to account fee and interest charge. been away they did call me while i was on holiday but i just ignored the phone it was the day they must have recieved my letter telling them to shop phoning me or i would make a formal complaint to the police for harrassment. feel free to private message me any time.

[xxxNikkixxx]

i have noticed where ever this peter townsend is involved there seemes to be a delay i had no problem getting my statements it was here in just over a week. have you had any trouble getting your statements i havent had any since i put my court papers in i used to get them every 2 weeks. now the commision charge have changed to account fee and interest charge. been away they did call me while i was on holiday but i just ignored the phone it was the day they must have recieved my letter telling them to shop phoning me or i would make a formal complaint to the police for harrassment. feel free to private message me any time.

We've always had trouble getting statements but I think that might be the post here sometimes more than barclays! I'm not that worried about them ringing because the accounts in my husbands name and he's rarely here in Barclays hours lol

[bearo]

Nikki, I spoke to Peter Townsend about my husbands account, I just got him to ring first giving permission for me to speak on his behalf, anyways after alot of messing us about Mr Townsend seemed really helpful, we asked him to send the statements through internal mail to our local branch and went with id to collect them, seems to have gotton there alot faster than waiting on him to stand up from his desk frank them and pop them in external mail!!!

He told me on the phone "they are under a pile of paperwork waiting to be posted" my reply? - "well dig down and pop them in an envelope today, I expect them in two days at my branch - lo and behold they arrived two days later, if you keep badgering him, he knows you wont go away so its easier for him just to do his job! - i know we shoouldnt have to mess around like this to get information that we are simply entitled to but anything that helps is good!

Do you have a direct Number for him by the way? If no I do!

Sharon

[xxxNikkixxx]

Thanks for that Sharon, I'll get hubby to give him a ring so we can give him a bit of a nudge, we have still got 19 days left of the 40 but I'm sure it wont hurt to remind him that we are still waiting!

The number I have for Peter Townsend is 01565 614000, is that the one?

[bearo]

Hi Nikki, yep thats the number! Hope it makes him hurry up a bit!

[xxxNikkixxx]

Statements arrived this morning, coffee and highlighter at the ready! Just got to see now what I can and cant claim back.