Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • This might be of use Moneybarn getting tolchocked https://www.dailymail.co.uk/money/markets/article-8013573/Moneybarn-pays-30m-customers-failing-treat-fairly.html
    • No, no credit card. I had a loan but that was cleared off many years ago.
    • Thanks. Name of the Claimant ? Hoist Finance UK Holdings 1 Li   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 30 Jan 2020 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - Acknowledged 17th Feb ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Their Wording on the CCBC claim minus details is...   The claim is for the sum of....arising from the defendant's breach of a regulated CCA referenced under no ............ The Defendant has failed to remedy the breach in accordance with a Default notice issued pursuant to ss,687(1) and 88 of the CCAct  1974.   The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from HPH2Ltd (Ex Barclaycard}. Written notice of the assignment has been given. The Claimant claims. 1.The Sum of.... 2.Costs What is the total value of the claim?    £3171   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Not that I know of   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Creditcard debt   When did you enter into the original agreement before or after April 2007 ? After, it says 15/04/2008 on Experian. So could be statute barred ?   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes says they took it on 6th May 2015    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Hoist I think but it says for Barclays ?   Were you aware the account had been assigned – did you receive a Notice of Assignment? Probably I don't really look at the letters from those companies but there are lots.   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not sure   Why did you cease payments? Never started payments   What was the date of your last payment? n/a   Was there a dispute with the original creditor that remains unresolved? no just my inability to pay   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Possibly with banks but not this as its credit card and no account related.
    • I checked the statements and the £36 is technically incorrect as they implemented a payment plan in the April where they froze everything and I had to pay £12 from the next month on which showed on the May statement.     They applied my £12 payment to the April statement so they said I missed may june July i.e. 3 payments which wasn't right so the default statement is incorrect.   the witness statement is incorrect the statement pages he refers to are not the ones that appertain to the default notice.     Also am I right in saying that the reference to robinson way as a creditor is incorrect as they are just a debt collection agency.    And should I have had a default notice off Hoist as well as the one from barclaycard?    they've only included a notice of Assignment, is that the same as a deed of assignment? and the only information given as to address is the salford one which is the robinson way address.  
    • Waitrose rep  will do nothing is most likely, get back on to them, ask for someone senior and at the same time find the email address for the CEO and email him/her.   You want a firm 'we will instruct our employed parking company to stop pursuing you as the keeper sir'   Get names and make records, record the call if you can.
  • Our picks

tnook

Very Old Barclaycard Charges ***Settled by way of Tomlin Order***

Recommended Posts

Had a reply from Barclaycard regarding my 1998-2003 SAR request.

 

They claim not to be able to find my statements and need more information.

I provided them with my name and the address the cards were registered to at the time.

 

Interestingly Barclaycard claim that the statements are not in their main system, but they state that they do have them.

In order to retrieve the statements they need my old card account numbers.

Alas I don't have these anymore.

Should I just push harder and insist that my name and address are sufficient?

Share this post


Link to post
Share on other sites

Yes I would, if you had any regular direct debits i.e. gas supplier they could help track the Credit Card number.

Share this post


Link to post
Share on other sites

Hi Tnook,

 

I've set you up a new thread regarding your penalty charges reclaim for older years.

 

Can you please confirm exactly what BC have said about them still having older data. PM me about this if you prefer.

 

I'd be interested to know how they have the data stored but are unable to locate it without an a/c number.

 

See items 20,21 and 22 in the Bank Templates Library. Rather than wait for BC to produce some data at their leisure, you can seek an order from the court for them to produce it.

 

You could also complain to the ICO but I think this will be a waste of time as the ICO appears happy to trust BC's word that they keep no data beyond 6 years.


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Sweeeet! I found a very old receipt with my original VISA card number on it.

 

Since Barclaycard have written to confirm they have my data and can only access it so long as I have an account number for them to reference it with, well I think they are snookered.

 

Bit annoying can't find any old receipts for the Barclaycard Mastercard I had at the same time.

 

Time to write back to them with the details they requested :)

Share this post


Link to post
Share on other sites

Ask them if, now that they have the Visa a/c no., they can now cross reference and check for the M/C a/c too.

 

Tell them that, if they do not produce the data for the M/C a/c, you will lodge a formal complaint with the ICO as their systems should enable them to produce this data, even without the a/c no.

 

:)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Oh damn the receipt was for a different card. Back to square one.

 

I have just found the Barclaycard internet account site id's for the old cards. But no card numbers and the account codes no longer work.

 

It does seem odd that the only way Barclaycard can access pre 6 years data is with a credit card number. Here is the letter they sent me:

 

Dear Mr Tnook,

 

I write further to your recent request for information (original enclosed).

 

Unfortunately we are unable to locate your account from the information you have provided. Therefore I respectfully request that if you have any more information that you can supply to help us locate your account (e.g. previous addresses, change of name, previous correspondence from us, account statements or any other account number held) then please send this for the attention of the Data Protection Team at the above address.

 

If the account has been closed it is possible that the information has been deleted from our main system. While we will have all of your statements available, we can only locate them by card number alone once an account has been deleted from the main system.

 

Upon receipt of the correspondence we will then be pleased to honour your request and the information will be forwarded to you.

 

Your sincerely,

 

Barclaycard Customer Services

 

 

Does anyone have experience of getting pre 6 year statements without account numbers?

Edited by tnook

Share this post


Link to post
Share on other sites

The only way you are likely to get any further data from BC about the old a/c is to take court action.

 

But without the a/c number, you may be wasting further time and money as the court may decide it is reasonable for BC to require an a/c no. to identify the older data.

 

If anyone else has an opinion, please comment.......... :)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Surely if they have information about me, their letter states that they do, then it is their responsibility to give me access to that information under ICO guidelines.

 

Barclaycard hiding behind the 'excuse' we organised the information in such a way that makes it impossible to access unless you have an account number shouldn't wash.

 

I suspect if a police investigation of 'terrorists' wanted information about credit card transaction of suspects they wouldn't have to supply card numbers, names and addresses would be fine.

Share this post


Link to post
Share on other sites

I agree entirely and, if it were my decision, I'd go to the ICO although this may take ages.

 

:)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Hi, I sent BC a SAR asking for list of charges from my MasterCard and Visa from 1998 onwards. They replied stating that they likely had the information on microfiche but unless I can provide the account numbers for the cards they can't retrieve the information.

 

Is this right? Surely they'd index them by name/address etc?

Share this post


Link to post
Share on other sites

I know for sure it's by Card Type and number.


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

Hi Tnook,

 

Have you checked carefully for old statements or an old card receipt, so you can give them the info they need.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Annoyingly I've looked everywhere. Oh well.

Share this post


Link to post
Share on other sites

I asked for Barclaycard to give me my old statements from 1998-2005 quite some years ago. They replied that they had them on microfiche but needed the account numbers to find them. Which I no longer had. Was this ever resolved or are they still claiming its based on account numbers only?

Share this post


Link to post
Share on other sites

'some years ago'

what's been going on since then


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

Well I gave up as I didn’t have the account numbers. I was just curious if they are still using it as an excuse/reason for not providing old statements.

Share this post


Link to post
Share on other sites

is it re a current thread of yours?

have you done a dsar. they should be able to tie up someones prior account numbers to their name


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

yes two existing threads now merged here

with the posts from our sticky moved to it.

tried in 2010

and again in 2013 to get the info.

 

dx

:bounce::bounce:


..

Share this post


Link to post
Share on other sites

Thanks for merging dx100uk :)

 

is it re a current thread of yours?

have you done a dsar. they should be able to tie up someones prior account numbers to their name

 

I did a SAR a few years ago and they flatly said they had the data on microfiche but needed the account numbers to access the statements.

 

Which I felt was a but off, they should have them indexed by name/address.

Share this post


Link to post
Share on other sites

You could write again to the Data Controller at Knutsford asking a final time that they produce the old data, failing which they'll be reported to the ICO and you may also take court action to force disclosure.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Dusting off the old thread.

 

I put in a GDPR request to Barclays last month and just got a stack of papers (15cm think) of all my data. Well it seemed that way...

 

Finally Barclays have provided the account/card numbers for my ancient Visa and MasterCard. They had these on record but years ago claimed ignorance and they could not search for statements without them.

 

The GDPR stack came back with a covering letter with an interesting line:"

 

"Your rights don't cover manual records, or records held in highly structured manual files. So please bear this in mind if you've requested details of older accounts or information that's less likely to be stored in files covered by GDPR."

 

I looked at the ICO website and it seems to contradict this. Feels like Barclays don't want to be bothered going through the microfiches.

 

Anyone have any thoughts?

Share this post


Link to post
Share on other sites

Hi Tnook,

 

Now you have the a/c nos., will you write to BC seeking the older info held on Microfiche ?

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Absolutely.

There are quite a few late and over limit fees from 1998-2003 on both cards.

I can also positively argue they concealed this since they had the account numbers all along and told me they couldn't find them....

Share this post


Link to post
Share on other sites

I don't think arguing that BC positively concealed data will help with your case. The only payback may come from seeking restitutionary interest if that's what you intend to do.

 

Do you now have the data for old penalty charges on both a/c's or must you still seek this from BC.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

I am just writing the letter to them pushing for the release of the data, now that I have the account numbers.

 

Interesting to note they seem to be arguing in the GDPR response that microfiche systems are exempt from GDPR.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...