Vickicb Vs Barclaycard

[Vickicb]

I sent my SAR to Barclaycard recently as I'm missing a few statements. I got a letter back today with a bunch of statements from 2004 - Sept 2005 and every statement says £0 balance, 0 transactions, etc. Now, I know I used it during that time so I compared them to the statements I have and it appears that in December 2001 Barclaycard changed my account number. The number I put on my SAR (taken from a statement as I've cut up my card) was my OLD account number. Why would they have changed it?

 

I used the spreadsheet anyway to work out my charges from the statements that I have, I think the missing ones will not have any charges on them anyway as there is a clear balance on statements either side of the missing few. However, the first 3 charges come under the OLD account No and the other 5 charges come under the NEW account No. How do I proceed with this claim? Do I need 2 spreadsheets, but one claim letter? Very confused....

[MilkTrayMan]

Hi Vickicb,

 

Barclaycard are on my list of "things to do" so am just browsing.

 

I always thought that a SUBJECT ACCESS REQUEST was ALL info held about that particular person...NOT just one account details???

 

Perhaps they may need reminding of this or else someone could tell me that I have got it wrong???

 

It could depend on what U actually asked them for also...maybe U were too specific?

 

Hope this helps Vickicb

[Guest ian cognito]

Your SAR should result in them sending all info they hold but if you quoted the account number they've probably used this an excuse to just send what you asked for. You are still entitled to the rest of the info if you need it.

 

You can put these together on one claim and one spreadsheet, I did one for GE Money for several accounts and just added another column and listed the account numbers so there would be no confusion!

 

Good luck

[galileo]

If you call up to report your card lost or stolen they will allocate you a new number. Perhaps this explains it?

[Vickicb]

Thanks for the advice - galileo, it could well have been due to losing my purse, I remember losing it when doing teacher training which was at that time so that probably explains it.

 

janquinny, I'll do as you advise and add another column to the spreadsheet to save confusion - it's only a claim for £212 but every bit helps!

[Vickicb]

Thought I'd start a thread for this claim, one of 4 I've started this week.

 

Their response to my SAR was pretty poor TBH, but as I have the majority of statements (and the few missing ones probably incurred no charges) I thought I'd go ahead on what I've got - It's a small-ish claim anyway.

 

So, prelim sent today for £140, rising to £256 with interest.

 

Will keep you posted.

[datxman]

Good Luck I have just filed my N1 with the courts yesterday for a grand total of £316 incl. of interest.

 

Should be fun......

[Bailiffchaser]

I also filed my n1 and recieved a defence which stinks. heres the link to the scans :

 

 

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/56475-barclaycard-legal-papers-here.html

[Vickicb]

Hi all

 

I'm just completing my MCOL for Barclaycard. I'm claiming £140 in charges since 2001 and £114.59 in interest on these charges at their cash balance interest rate of 27.9%. I have got the particulars of claim from the templates library and I'm confused about what I put the two sections below (My questions in CAPS). Can anyone help? Many thanks.

5. Claimant claims: (a) return of the amounts debited of £XXX SHOULD THIS BE THE TOTAL CLAIM AMOUNT? OR JUST THE CHARGES THEMSELVES?;

(b) Interest per S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx; WHAT DO I PUT IN HERE? I THOUGHT I DIDN'T CLAIM THE S69 INTEREST AS WELL? IF I PUT IN THE 27.9% INSTEAD HOW SHOULD I WORD THIS?

[Michael Browne]

Claimant claims: (a) return of the amounts debited of £140.00

If you're claiming contractual you should include something along these lines.

 

The Claimant also claims interest at a rate of 27.9%, from the date of each transaction to (date of claim) of £114.59, as set out in the attached list of charges. (Schedule A) The claimant further claims interest at the same rate up to the date of judgement or earlier payment, at a daily rate of £0.11p per day.

 

The Claimant believes this rate to be justified under the principle of mutuality and reciprocity, and is based on the Defendants overdraft interest rate that would be applied under the terms of the above mentioned account.

 

Should the court find that this interest rate is not applicable, then in the alternative the Claimant wishes to claim interest pursuant to section 69

County Courts Act 1984 of 8% as set out on the attached list of charges (Schedule B)- £xxx [enter interest total at date of claim] continuing at 8% until judgement or settlement at a daily rate of £0.03p

 

Plus 2 separate schedule of charges A and B: 1 for 27.9% and 1 for the alternative s69 8%

[Vickicb]

Thank you very much!

[maangov]

Can you fit all that, plus the rest of the POC on an MCOL?

 

Mike

[Michael Browne]

Can you fit all that, plus the rest of the POC on an MCOL?

 

Missed that. Well spotted.

 

Any contractual claim must be done via N1 and your local court