Jump to content


tabernus

Barclays/Egg - tired and confuzzled

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2479 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello people, I apologise for starting a new thread but I'm getting myself increasingly more confused by reading other peoples (forgive me I've just come off nights).

 

I had a Barclays Student CC (lets call that CC-A) and also an Egg CC, which was sold to Barclays (lets call that CC-B). Both of these are still active with Barclays.

 

I wrote to Barclays asking for information about the accounts which they studiously ignored for three letters but have finally got back to me.

 

I am a disorganised soul so I don't actually have the details of when I took out the CC's but I think the CC-A was about 1998 and CC-B was about 2004

 

What Barclays have posted back to me makes little sense. . . .

 

They only seem to have responded about the CC-B account (they sent a letter saying they are 'looking into' the other one) and have sent me two documents (separately), one is the original CC agreement for Egg, and the other is the standard agreement for Barclays. However neither contain any information about me, they are just generic, for example they don't say when I entered into the agreement and I was expecting them to. And neither say anything about PPI.

 

What do I do next?

 

I can see why people get companies to do this for them!!

 

Many Thanks

 

T


natwest £3,500 PAID june 2007 smile £655 PAID june 2007 no more bank accounts :(

Share this post


Link to post
Share on other sites

Hi if you want all the data a creditor holds on you and your accounts you need to make a Subject Access Request under the Data Protection Act 1998,

this requires the creditor to supply ALL the data on ALL the accounts you have with them within 40 calendar days.

There is a template in the CAG library for you to use, there is a statutory fee of £10.00 to pay.

 

Send the SAR to the Banks head office addressed to the Data Controller, use recorded delivery and check delivery date.


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:

Share this post


Link to post
Share on other sites

The purpose of your request is obviously to establish the date(s) of opening and also if there was any PPI added, yes ?

 

The date(s) of opening should be part of the SAR.. the PPI, you should be able to see from a statement if that was added as it will be a specific / separate entry.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Thanks for your assistance - so if no PPI is mentioned is it worth pursuing getting the rest of the info?


natwest £3,500 PAID june 2007 smile £655 PAID june 2007 no more bank accounts :(

Share this post


Link to post
Share on other sites

Oh yes, a Subject Access Request is probably the best £10.00 you will ever spend in respect of information held on you by a creditor!


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites
Oh yes, a Subject Access Request is probably the best £10.00 you will ever spend in respect of information held on you by a creditor!

 

righty oh ... let's do that then.


natwest £3,500 PAID june 2007 smile £655 PAID june 2007 no more bank accounts :(

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...