Various DCA's & VERY old Barclaycard Debt Help Required

[starblackie]

Thank you for your reply, think i understand have not recieved PIN number to noodle as yet.

Just my nerves with all this is a bit frayed.

[starblackie]

Hello all

 

So far nothing from lewis. Dispute letter sent RD on the 5th. 21 days up next week. Have I by sending this letter exhausted their own complaints procedure and what do I next?

 

SAR request from Santander,

because i am trying to trace records for the years 2000-02 for info on what i have paid re debts.

 

Time left 6 days,

 

went into local branch today.

Was told that a letter was sent out to me on the 24/9 returning £10 cheque and saying that they can only go back 6 years.

 

Firstly have not received this letter, so have appointment next friday and they will put a track on this letter.

 

Now I also said about relevant filing system/court for non disclosure, FOS, IOC (see what how you guys have educated me over past few weeks)

 

My question does this 6 years apply when an account is still active, ie opened account 1996 and is ongoing, switched to Santander from A&L, from thier end.

 

SAR to barclaycard so far request has not be returned so hopefully 3rd time lucky there.

 

Would be so grateful for any advice.

 

I have learnt alot and cotinue to educate myself but still need guidance and advice as a bit confused with it all.

Many thanks

[dx100uk]

if the account is still active they must have SOMETHING!!

 

dx

[starblackie]

Thanks dx

 

they are saying only for the past 6 years,

 

my argument was that as the account has not changed from 1996 to now where is the data 1996-2006.

 

I am prepared to take this to court for non disclosure but if they have destroyed older data how do i prove that and what can i do.

 

I have read about Barclays having older data on mircofiche, does this apply to other banks?

 

any info/advice gratefully received

[Bazooka Boo]

The six years rule is from the date the account is closed, this is for money laundering purposes, so HMRC will be interested to hear of this if they haven't kept this info!

[starblackie]

Thanks BB

 

I think its strange when the account is still live,

or every 6 years all the banks would destroy all data regardless.

 

I was also asked why I wanted it, I said thats personal.

 

My account is still live therefore there would be no reason to destroy the data.

 

Is there any relevant piece of legislation or anything i can quote to strengthen my argument.

 

I have an appointment next Friday.

 

I have to say that I seemed to cause a bit of a flap when i quoted stuff like DPA, FOS, IOC.

 

Not that frightened person who first posted a few weeks ago.

[Bazooka Boo]

I did have the info bookmarked, but have had to reset my desktop to factory setting so lost the lot.

 

Have a look on HMRC website your looking for money laundering legislation.

[starblackie]

Thanks BB will do. Just had a look on the IOC website it states:

 

" It is appropriate for the bank to retain data for as long as the customer has an account with the bank"

[starblackie]

Have recieved letter from Barclaycard today.

Its not my SAR they have returned the cheque.

 

What they have said that it is relation to PPI.

 

I may be able to scan up later if a friend can do it.

 

It a sheet and gives some dates etc.

 

It says under Account PPI Flag Y (yes) no premium present PPI start date 1995, this is against two different account numbers.

 

Please any advice on what this means

 

Thank you

[dx100uk]

use a digital camera/phone

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[starblackie]

Thanks dx will do as soon as i can, am waiting for a friend who can help, meanwhile i will try myself

[starblackie]

Have tried serveral times to upload letters, keeps saying "This is not a valid image" also tried photobucket and no luk there, any ideas on what i am doing wrong.

Thank you

[dx100uk]

you MUST convert them to PDF format

 

read the guide

 

dx

[starblackie]

thanks i will keep trying

[starblackie]

hopefully heres one

[starblackie]

2nd letter

[dx100uk]

a have unapproved the first one

 

please read the guide regarding using PEN to blockout your pers details.

 

it can all be clearly seen through

 

dx

[starblackie]

Hope this one is okay

[dx100uk]

i would say that indicates ppi.

 

on those two

 

dx

[starblackie]

I will send yet another SAR on Monday the 4th, this is what i got back from my last SAR.

What do I now about reclaiming PPI. Have read as much as i can but dont know where/how to start

Any thoughts would be appreciated

[Bazooka Boo]

If you sent one SAR to the OC and they have failed to supply ALL of the info within 40 days, then DO NOT waste another tenner! Inform them that as they have failed to comply with your legal request you have escalated your complaint to the ICO for their investigation and to allow them to fine the OC.

[slick132]

Hi SB,

 

Do you have data of dates and amounts of each PPI charges on the a/c's.

 

If not, send BC a SAR non-compliance letter - http://www.consumeractiongroup.co.uk/forum/content.php?593-Data-Protection-Act-Non-Compliance-Template-Letters - and point out specifically what data you want.

 

No need for another SAR or for another payment.

 

[starblackie]

Barclycard keep returning the £10 and i would need to know the dates/amount of PPI as I didnt know I even had it.

So do i go for SAR once more giving 21 days intsead of 40 as they have already had time to get the data I need, And put notice that i will take them to court for non disclouse if nothing within that time limit.

And how to i begin to make a ppi claim? also would the interest be up unitl today on whatever the amount of ppi paid. Sorry for loads of question

Thank you

[starblackie]

Sorry Slick didnt answer your question, they have not given me any data, just the 2 letters that i uploaded

[slick132]

Send the SAR non-compliance letter saying you AGAIN enclose the £10 fee and require dtaes and amounts of all a/c transactions so you can identify PPI and/or penalty charges on the a/c.

 

Tell them they now have only 21 (or however many) days remaining to comply with your original SAR of xxdate.