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    • All Talk Talk Direct debits/standing orders, etc were all cancelled correctly and set up for BT. Talk Talk took the money from my debit card details which they had retained. I have now blocked this too. I just want my money back!
    • On the basis it was a direct debit from the bank. Why did you not use the DD guarantee and insist the bank refunds the money.     
    • Basically i can claim for my excess and loss of earnings as i was self employed and cost for hire of van, solicitors have asked for uninsured losses, if lossess are not included in claim i cant recover them at later date the letter states.  
    • Hi All,   On 26th May this year I called my broadband/phone service provider, Talk Talk, to inform them that I would be leaving them and moving to BT at the end of the month.  My contract with Talk Talk had officially ended back in October 2019 and I was just paying them on a monthly basis for continued service. I was advised that I did not need to do anything, as arrangements would be made on my behalf to keep my existing number etc between Talk Talk and BT.  I began my contract with BT on 1st June.  I cancelled my bank payment arrangements to Talk Talk and set up new ones for BT. I then received a bill from Talk Talk for June's monthly charges, which I ignored as I was no longer a customer, I owed them nothing, and they were not providing me with any kind of service. I then received a second bill from Talk Talk for July's monthly charges. I called Talk Talk to explain their error but they insisted that I was still a customer using their services.  This was despite me proving that I have been a BT customer for the past two months and paying BT for services that Talk Talk are claiming to be theirs. Talk Talk then took £60.39 from my bank account on 2nd August, despite having no authority or consent from me to do so.  I complained to my bank and they explained that utility companies hold on to customers payment details (despite GDPR) and this practice is common.  I have now instructed my bank to refuse any further payments to Talk Talk, by any means!. I phoned Talk Talk to complain and insist they repaid my money immediately as it had been obtained fraudulently and they are not providing any service to me anymore.  The adviser couldn't help much, but promised me a call from a manager later in the week.  The call never materialised. I called Talk Talk myself today, and after nearly four hours of phone calls, being put on hold, transferred, being made promises and making more calls, I have got nowhere. One manager did offer a token £30 payment which I obviously turned down.  I eventually hung up after being put on hold for over 20 minutes during a call lasting over an hour. These people are ignorant at best and impossible to deal with. Please could someone advise me on how to get my £60.39 back from these people?  
    • They can ask you to help them.   The reason for doing this is that the accident was between two private citizens with the Insurance companies covering the risk.  The Insurance company need your assistance to claim directly against the other driver, as the other drivers Insurance are not paying the claim.  Each Insurers pays 50% of the claim costs.     If you don't help the Insurers, I am not sure what they can do about this, as you are no longer a customer of theirs.   Perhaps ask whether they will cover your costs. e.g. time. 
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      I was in Sainsbury’s today and did scan and shop.
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Vickicb Vs Barclaycard

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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....:confused:

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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

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The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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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

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

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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!

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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.

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


Should be fun......:D

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions



[sIGPIC][/sIGPIC]Time is running out for the banks :)

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





CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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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?

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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%

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Thank you very much!

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




HSBC A/C - WON! - £1,575 Charges, Stat Interest and default removed before court!

HSBC CC - WON! - £1,025 Charges, and Stat Interest refunded

ARGOS - WON! - £250 Charges & Contractual Interest

CREATION WON! - £180 Charges & Contractual Interest

BARCLAYCARD- Court Date Set - 09/10/2007

EGG - SAR Sent 22/12/06, ID Sent 05/01/07. No progress yet.

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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

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