Barclaycard SAR Reply

[PenaltiesGalore]

Hello All,

 

I have received the attached "SAR" reply from Barclaycard and would like some help please?

 

I better give a brief history of the problems.

 

I went through personal and financial difficulties in 2001, I had "unmanageable" debts and basically stopped paying everyone.

 

I had, or rather still have debts with Barclaycard and other organisations who walloped me for charges, left, right and centre.

 

I am still paying these off on a monthly basis to Link and trying to cope on a limited budget.

 

I then found this forum recently and have been intently reading as many threads as possible.

 

I have SAR'd every single financial institution that I had debts with.

 

Back to Barclaycard, I have received the attached response to the SAR request that I sent to them.

 

1) I can view the letter and THREE statements as, the balance shown is "purely" Default charges as their letter implies,

go back six years and try and claim them all, bearing in mind, these were actually in 2001 and not 2007 as their statements imply.

I am not sure if I view this as Barclaycard trying to help me by suggesting I claim these but forget about going back to 2001

as their statements are dated February, March and April 2007, just within the last 6 years!!

 

2) Write back and say I am not happy with their response, as I actually had two Barclaycards with them at various different periods,

the other one being approximately 2003 to 2007, that I was also hit with charges on.

 

Any thoughts or comments please?

Edited January 17, 2013 by PenaltiesGalore

[dx100uk]

as a side note what are link fleecing you on ?

 

dx

[dx100uk]

you sure you've upp'd the right docs?

 

dx

[PenaltiesGalore]

Hello again Dx,

 

I am paying Link on the original Barclaycard debt I had and defaulted on in 2001. Feel like I have been paying them for a lifetime! Not sure if that answers your question?

 

Upped the right Docs . . . there were 4 pieces of paper in the "SAR bundle" that I received today - that is the all the paperwork I received that I have uploaded - their letter subject title is in response to my request for the SAR and the enclosed statements, nothing else was received. No proper statements, no credit agreement, nothing else.

 

Their letter as you can see does make the right assumption that I want to find out what penalty charges were levied and that is what I presume the balance is implying on the statements?

 

Maybe I am not with it today and not reading your questions properly - sorry if my reply does not answer the questions you are asking . . . . .

[dx100uk]

WHY are you paying link for a debt so old

 

how the hell did that fleecing bunch spoof you into that?

 

dx

[PenaltiesGalore]

Sorry, I should add that since 2001 when the debt was transferred/sold to Link I have not had any contact from Barclaycard regarding this account, so I am very surprised that the statement dates are 2007!

[dx100uk]

Hello All,

 

I have received the attached "SAR" reply from Barclaycard and would like some help please?

 

I better give a brief history of the problems.

 

I went through personal and financial difficulties in 2001, I had "unmanageable" debts and basically stopped paying everyone.

 

I had, or rather still have debts with Barclaycard and other organisations who walloped me for charges, left, right and centre.

 

I am still paying these off on a monthly basis to Link and trying to cope on a limited budget.

 

I then found this forum recently and have been intently reading as many threads as possible.

 

I have SAR'd every single financial institution that I had debts with.

 

Back to Barclaycard, I have received the attached response to the SAR request that I sent to them.

 

1) I can view the letter and THREE statements as, the balance shown is "purely" Default charges as their letter implies,

go back six years and try and claim them all, bearing in mind, these were actually in 2001 and not 2007 as their statements imply.

I am not sure if I view this as Barclaycard trying to help me by suggesting I claim these but forget about going back to 2001

as their statements are dated February, March and April 2007, just within the last 6 years!!

 

2) Write back and say I am not happy with their response, as I actually had two Barclaycards with them at various different periods,

the other one being approximately 2003 to 2007, that I was also hit with charges on.

 

Any thoughts or comments please?

 

the docs of the att in post one say nothing about default charges?

 

dx

[PenaltiesGalore]

I felt that I owed them the money and continue to pay them, I now only owe a few hundred pounds from the thousands. Call me stupid . . . . .

 

The balance in 2007 was never £5,800 odd that they have stated on the statement. I read the statements in conjuction with their letter and took the implication that the balance was all their charges. I see what you mean that the charges are not listed as they have said on their letter. I have just checked the statements to see if they were double sided but they are not . . . . .

 

The account number they have quoted is also not the same account number that I have on some of the statements I have . . . . . .

[huggy41]

sorry but looks like you have been cash cowed for years STOP PAYING

[dx100uk]

how many MORE debtshave you like this

that you've never questionedand blindly paid.

 

dx

[dx100uk]

so it was you that funded this then....

 

http://www.homesandproperty.co.uk/property_news/news/millionairedebtcollectordigsdeepinsouthkensington.html

[PenaltiesGalore]

Oh my God! I never realised that.

 

I went through a horrendous time in my life and wanted to get it in order, thought paying them was the only way to move forward and

clear my liabilities.

 

I thought trying to reclaim some of the charges, paying people off and starting afresh might help.

[dx100uk]

seems lke to me you need to follow the checks you have learned on your threads herewith EVERY DEBT you are paying.

 

dx

[PenaltiesGalore]

I totally agree Dx and will do.

 

As regards the Sar that I have received, should I write and state that I do not believe that they have complied with my request?

 

I have seen on the other threads that BC do have information going back and they have not provided that to me.

[dx100uk]

yes question that is all they have

 

what you have means nothing i canmake head nor tail of those 2 statement they mean nowt!

 

you want ALL the info they hold on you not what THEY THINK you want

 

dx

[PenaltiesGalore]

Thank you again Dx.

 

Huggy, message acknowledged and accepted, will stop the payments.

[slick132]

Hi PG,

 

BC will only supply statements going back 6 years initially. If you know there are penalty charges on older statements, reply to BC saying you require all statements that they hold, whether on their Microfiche or any other system, or you'll take court action to force disclosure of the data to which you're entitled.

 

Read this thread, particularly post #130 onwards - http://www.consumeractiongroup.co.uk/forum/showthread.php?50148-Barclaycard-amp-Microfiche-they-are-wrong-OFFICIAL&p=3106958&viewfull=1#post3106958

 

I think you've misinterpreted what BC say in their letter in post #1. They don't give you any info about the amounts and dates of any penalty charges and this is what you need to reclaim them.

 

You should also read the Interest Tutorial about claiming interest in restitution (I suggest you use a nominal rate of 24.9%) - http://www.consumerwiki.co.uk/index.php/Interest_Tutorial

 

Are you aware if PPI was ever added to the a/c.

 

[PenaltiesGalore]

Hey Slick,

 

Hope you are well.

 

I will reply asking for the info as you suggest.

 

I have read most of Shelly's threads where you have advised. Those threads and replies and others on this site, have inspired me to go down this route, so, thank you.

 

I will read the threads you suggest.

 

I appreciate your time in replying to this thread.

 

PG

Edited January 18, 2013 by PenaltiesGalore

[PenaltiesGalore]

Hello All,

 

Just a quick catch up on this. I sent the letter off today, signed for and recorded, as suggested.

 

I do have some statements and was looking at them today and have noticed a debit "Barclaycard, Card Protecti" of £16 on a statement dated September 2003.

 

Would anyone have an inkling of what that might be? It only appears on this one statement so far, so it is not PPI ???

 

I do not recall signing up for anything . . . . . . .

[dx100uk]

prob something like CPP.

 

try our search top right in the gray bar

 

dx

[PenaltiesGalore]

Hello Dx,

 

I have heard about the CPP and had that as well from 2005 to 2011!!! ( I am now feeling that I had MUG written on my forehead before I found this site!).

 

The CPP payments were shown as such, maybe this one was as well but is not shown as such.

 

Thank you again Dx

[dx100uk]

http://ask.barclaycard.co.uk/help/brochure/1_products/cancel_CPI

[PenaltiesGalore]

http://ask.barclaycard.co.uk/help/brochure/1_products/cancel_CPI

 

Thank you Dx

[slick132]

Sounds like one of the unnecessary schemes they loved to flog, in case your card was stolen.

 

Total waste of money but not worth bothering about now if it was a one-off for £16.

 

[PenaltiesGalore]

Sounds like one of the unnecessary schemes they loved to flog, in case your card was stolen.

 

Total waste of money but not worth bothering about now if it was a one-off for £16.

 

Hello Slick,

 

When the 'main' card from 1999 was in default, BC offered me another one in 2003, which I took, both accounts had over limit fees and other penalties were levied. The latter was then suspended when they realised about the first one.

 

I might err slip the £16 in somewhere.

 

He who dares . . .

Edited January 22, 2013 by slick132
fixed quote box