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Lex, Barclaycard, MSDW etc......


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Hi all !!

 

I am about to send Barclaycard an SAR for a card they 'bought' from MSDW. It would appear they added PPI to the card after it fell into their hands.

I have only recently picked this up as the PPI was provided by Axa, who also do my health insurance for teeth and glasses and they also made the mistake of paying a (cancelled) rolling payment to the RAC which put the card over it's limit.

 

So as well as PPI there are going to be Over Limit fees to deal with aswell. Quick question, is £10 enough for the SAR as I want to see the/any CCA they may hold or is it worth adding the extra £1 to make sure. Really the £10 should be enough as I want everything they hold on me, but knowing how slippery Barclays are, I don't want any hold ups. ( I think I have just answered my own question!!)

 

Thanks for taking the time to read this,

 

Lex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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BC rarely send CCA's anyhow. just T&C's

 

add a line to the SAR that says:

 

this is to include any/all agreement i might have had with your company.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Cheers dx, will do !!

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The ICOs stance on if a CCA should be

provided with a SAR is to say the least

vague.

 

I have asked for a definitive answer to this

and the response was that '' a CCA may be regarded

as personal data but that decision is made by data

controllers, the ICO would ''expect'' a CCA to be supplied

BUT there is no defined obligation to do so.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Thanks for that Brigs,

 

I'll send £11 and ask for any CCA they have, I can just see it dragging on otherwise.

 

Cheers,

 

Lex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for that Brigs,

 

I'll send £11 and ask for any CCA they have, I can just see it dragging on otherwise.

 

Cheers,

 

Lex

 

 

No problems Lex.

I always recommend doing the dual request, having spent

days going through the DPA and all the guidance notes

can't find any difinite requirement for the CCA to be supplied

with a SAR:?:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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