Rutland V Barclays

[Rutland1123]

Sent the standard Data Protection Act letter on 19th September for my 2 accounts (1 private & 1 business). 1stly Barclays for the first time in over 20 years gave me something for nothing, they returned my £10 cheque!! However they haven't quite played cricket with me. I have had my business account for over 20 years and they have only sent me statements dating back to Dec 1997 for both accounts - is this correct - do they only have to go back so far?

2ndly they have spouted a big long paragraph to me with regards to the manual intervention. Quote ' the DPA does not oblige the bank to comment about internal policies and procedures.' It basicly says the bank does not hold that information and they are not going to find it out because they don't have too.

I know from all the notification of charges that I have received from barclays over they years, a huge amount of the charges have been because some person has had to check my account daily (Barclays words when I have questioned them about it). How do I claim these charges back when I only have lump sums showing on the statements which include debits/credits charges plus the paid referal fees.

I now have the statements and just going back as far as 1997 I feel embarrased and an idiot that I have been taken for a ride for so long. No more!!

Any help that anyone can give me would be greatly appreciated

thanks

[Rooster-UK]

Hi Rutland, welcome to the family.

 

2ndly they have spouted a big long paragraph to me with regards to the manual intervention. Quote ' the Data Protection Act does not oblige the bank to comment about internal policies and procedures.' It basicly says the bank does not hold that information and they are not going to find it out because they don't have too.

Don't worry about manual intervention. They have just told you in the letter that they have no records of manual intervention. Makes it very difficult for them to introduce it as part of any defence.

 

All that really counts is the charges over the last six years. Those, you can claim back easily. Over six years and you run into the statute of limitations which, although it has been challenged recently, it is by no means certain. You have to prove that the information had been deliberately kept from you at the time or that fraud has been commited...... Not an easy path to follow.

 

I know from all the notification of charges that I have received from barclays over they years, a huge amount of the charges have been because some person has had to check my account daily (Barclays words when I have questioned them about it).

Think how many accounts that the bank has. How many staff do they employ?

Certainly not enough to physically check every account.

 

D/D rejection, Overdraft warnings and cheque stops cost only coppers to implement. Each one is detected within a few operating cycles of the computer. (Minute fractions of a second). Letter is printed automatically. Your name and address is retrieved from the computer database. Letter is folded and inserted into envelope by a machine. Envelope is then franked for postage. The sheer volume of post that the banks generate each day gives them the advantage of lower postage rates.

 

They used to advertise sugar as being so pure because it was untouched by human hand.

 

Your letter from the bank is the same...... the first human hand to touch it is yours..... when you open it.

 

Start your own thread in the Barclays forum and post any questions and progress reports there.

 

Good luck with your claim.