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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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Hi

 

please help after finally working out how to use a thread, sent SAR to Barclays, they sent back statments for 6 years but being in businesss i need notification of charges which they sent 2003-06 but say they do not have to release 2000-03. The sencond letter was sent to the bank and they have written back saying they have sent my request to thier data protection team, do i continue as the website instructs as cannot find any threads on business info.

 

help :-|

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hi

 

hopefully someone is out there and my thread will be picked up,..........please, it taken me 3 months to stop jumping on everyone elses's threads , so may i take this opportunity to offer a sincere appology for anyone who is cross with me, my internet skills are slowly progressing. please forgive:oops:

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Helen

 

DO i understand you correctly that you are claiing on a business acount and the bank have said they dont have to supply data further back than 2003?

 

Do they give any reason at all?

 

I know the Data Protection Act is about protecting the data subject, ie a living human being and this may impact on how this is/may be applied to a business account depending on how the business is constituted.

 

It would be good to see if anyone else has a view on how DPA and a business works.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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HI Glenn uk

 

WOW fab, at last someone talks to me, thanks so much, the just said verbally at first that they had spoken to thier Data protection team and berfore 2003 is not classed as my personal data, and is stored away, i asked for this to be put in writing, which they did stating Barclays policy but quoted no referrence to which policy i then sent another letter requesting what was missing, the rang me saying my request is being past on the Data protection team, i asked for this to be put it writing also, but do i continue as the site suggests with the personal accounts ect, next letter giving 14 days ect or ??????????court action trying to get info for first step, this can only happen to me.

 

thanks again

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Helen, nobody is cross with you. We are all fighting one course, saying NO to penalty charges. Do not relent in your effort to claim yours back. If you have been charged, it is legally yours and you have to claim it back.

 

Good luck.

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So if i understand you correctly they havent quoted any statute but simply company policy that data before 2003 is not 'personal data' is that correct?

 

Secondly i would recommend that when they write to you saying you cant have it, you have to respond restating your right to the data coupled with confirming how long they have left for complaince.

 

That way should it get to court you can show that you never accepted their contention that you were not entitled to the data.

 

Ultimately i am not certain when business data is personal data. if youre a sole trader with your account in the form of ms smith and you use the same account for personal use then imho there is no doubt you are entitled to the data.

 

if on theother hand its ABC window cxleaners or such like and youre a signatory then im not sure.

 

Sorry if that doesnt help much.

 

Perhpas if you could set out when/what you have done and some details about the accounts people can help you out.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Having read the topic on Barclays and their Microfische dilemma maybe they are trying to say that the information is stored on their microfische and therefore they don't need to provide it? If that is the case then they are wrong, so maybe you can get the statements after all.

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hi

lorwiggins

 

No they did not quote microfische unfortunalty, they just said its their policy not to go back more than 3 years on notification of charges as they do not class it has personal data. But my business account is soley in my business name and my husband and i are the only partners. so wot do you think guys

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I am undoubtedly the thickest person here so you don't want to be asking me! I have tried to read this site but it all goes completely over my head! I am hoping that my partner can do it all because having got 6 years of statements from Barclays I can't understand a word they say!!!

 

Good luck with your claim, I hope you get money back, it may come in time to be an Easter present!!

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So if i understand you correctly they havent quoted any statute but simply company policy that data before 2003 is not 'personal data' is that correct?

 

Secondly i would recommend that when they write to you saying you cant have it, you have to respond restating your right to the data coupled with confirming how long they have left for complaince.

 

That way should it get to court you can show that you never accepted their contention that you were not entitled to the data.

 

Ultimately i am not certain when business data is personal data. if youre a sole trader with your account in the form of ms smith and you use the same account for personal use then imho there is no doubt you are entitled to the data.

 

if on theother hand its ABC window cxleaners or such like and youre a signatory then im not sure.

 

Sorry if that doesnt help much.

 

Perhpas if you could set out when/what you have done and some details about the accounts people can help you out.

 

HTH

 

Glenn

 

 

hi Glenn

 

Yep ok, here goes.

 

My husband and i are sole traders in the catering trade, we have a business account where money is paid in and cheques are paid out, D/D and S/O opertate out of this account as well. the account is in the business name but our names are on the account also. We have been ripped off for years but until now belived we could do nothing about it, re-referral fees, re refered cheques ect, prob runs into at least 5k over 6 years but need notification of charges which are sent quarterly with a breakdown of what we have been charged for, without this it would be quess work as we understand it cost to pay in, take out, go for change, write cheques ect, but they have had a field day with us for a long time, some times our quarterly charges have been £1k with £1,500 interest, how does that work!!! we have never ahd an overdraft but yet we have been charged for moneys over drawn massivley etc.

 

I just followed same fomat as everyone else on this site, sent SAR with £10, manager rand me and asked why i needed them, so i told him, then the statements were sent but no breakdown from, 2000-03 sent another letter requesting missing stuff ect, thats when they send they had sent my request to theri DAta protection team and they will respond i presume.

 

is that enough for now,

 

thankyou for helping.

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It is enough Helen

 

For the data to be personal it has to relate to a living person, since youre posting here that must at least include you and hopefully your husband too.

 

On top of that from the account data it must be possible to identify the subject ie you or your husband by reference to that data.

 

So when you say your names were on the account was it xxxx catering/mr and mrs smith on your statements?

 

If it is then id say its alsmot certainly data within the act and they must supply all they have on a relevant filing system for the whole period not just the last six years.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Helen 2 threads of yours merged......please try and keep all your claim related posts in here:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Glenn

 

using work computer so only in use office hours,

 

Our account has the name of our business then our both our names Mr. & Mrs **** address etc, does that make it our personal data, i thought it did???

 

Do i send the next letter to the bank which is due on the 18 jan given them another 14 days to comply, then the 7 day letter before action ect at this stage i only want the info, first stage stuff, wot will they be like when i submit the claim.

 

cheer for your time.

 

ps sorry for merging threads, hope i,ve got the hang of this now.:o

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Hi again

 

wanted to add, having re-read thier letter and i quote "due to bank retention of document policy, we are only able to provide you with a breakdown of charges for the last 3 years, sorry if this is not the outcome you wanted.

 

wot do u think, is this a new line of attack from them, could anyone shed any light on this.

 

thankyou:confused:

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Helen

 

You need to write back asking something along the lines 'for the avoidance of doubt can you confirm that you have destroyed my historical data and if so when and why? If you state this is line with your company policy then I would be obliged for a copy of that policy since I will be requiring production of this document when i file at court for non-compliance with Section 7 of the Data Protection Act'.

 

Oh and is the account still open? If it is then you need to put something in there about that too.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi Glenn

 

Thanks for that i will do what you suggest, having doubled checked my stateents they all begin with our name Mr * Mrs **** then the name of our business and our home addess, so you would think this is personal data covered by the SAR would you not?

My next letter to the bank is not due until 18 Jan, shall i send what you suggest then, adding they have 7 days by which to reply or court action, hopefully Judge Forester now knows the name of Barclays Data Protection controller, as we do Mr. Towsend isn,t it?

 

Thanks for all your help Glenn, if you cannot reply today before 3.15 i will look again on Monday, but this thursday the next letter is due.

 

thanks again. your a star;)

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Sorry Glenn forgot to ask

 

If i have to go to court for my info is it an M1 form i completre and do i quote any laws ect HELP! direct me to a site if you can as i have not seen this on what i have read its usually getting the money where guidance is offered.

 

Thanks you again;)

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Hi Glenn

 

Thanks for that i will do what you suggest, having doubled checked my stateents they all begin with our name Mr * Mrs **** then the name of our business and our home addess, so you would think this is personal data covered by the S.A.R - (Subject Access Request) would you not? i would say that since you could be identified by referecne to the data then its Data under the DPA. There is a link to the DPA in the statute library, i would suggest if you have a minute, well Ok, an hour, have a scan through it and get a feel for what it says it will help you understand where im coming from and hopefully help you to deal with them on this issue.

My next letter to the bank is not due until 18 Jan, shall i send what you suggest then, adding they have 7 days by which to reply or court action, hopefully Judge Forester now knows the name of Barclays Data Protection controller, as we do Mr. Towsend isn,t it?Personally i wouldnt wait, i know there isnt much time but i would write back stating that they have your data and that they are obliged to provide it under the DPA, and they have x days to comply.

That way when it comes to court, you can show that you have given them every chance to comply and that you have refulted their contention at every step of the way.

 

Thanks for all your help Glenn, if you cannot reply today before 3.15 i will look again on Monday, but this thursday the next letter is due.

 

thanks again. your a star;)

 

Sorry couldnt respond on time, I respond from work mostly during the day while im on the phone or waitng for somehting to print out.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Sorry Glenn forgot to ask

 

If i have to go to court for my info is it an M1 form i completre and do i quote any laws ect HELP! direct me to a site if you can as i have not seen this on what i have read its usually getting the money where guidance is offered.

 

Thanks you again;)

 

No tis an N1, there are some links around, not sure if there is one in the template library.

 

I have posted particulars of claim for my claims against Abbey and Barclaycard so check out Glenn Vs Abbey or Glenn Vs Barclaycard for examples to crib from.

 

there are obviously others about to look at plus of course the template library too.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi Glenn

 

Just reeived a letter from Barclays Data Protection mananger, Peter Townsend, here goes; Please be advised that this information [notificaton of charges] is retained by the bank in detailed electronic format for a period covering only the last 3 years, prior to this the data can be extracted from account statements. As the Data Protection Act does not give rise to an obligation to present information in any particular format, our responsiblity would be limited to the production of duplicate statements.

 

It goes on about getting duplicate statments if required ect etc, . I have statements going back years, but if they will not give me the breakdown of those charges as in what i have been charged for, am i left with putting in a guestimate figures when i request the charges back, they would be accurate for 2003-06 but 2000-03 would be a rough ish guess.

 

wot do you think.

:)

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No they are playing with words

 

You are entitled to your data in a form you can read and understand and thats about all the Data Protection Act says as i recall.

 

If you used the S.A.R - (Subject Access Request) template from the library it tells them exactly what they are to provide and it says that statements would be acceptable. If someone from the bank has to sit down for a week writing out your data thats their problem, they have the oiption to copy the statements and send them to you if its easier.

 

For information during my discussions with the Information Commissioners Office they now consider that almost anything in a filing system would be 'a relevant filing system' and so would be subject to the DPA. For clairifcation the personnel files in my office consisting of buff folders with copies of letters in it would probalby be considered as a relevant filing system So if asked, we would have to extract the required data and send it to the subject. Barclays are no different.

 

You need to write back and repudiate their claims, restate your requirements and re assert your rights to take them to court should they fail to supply.

 

If you want to draft somehting that fits your cirucmstances and post the draft up here, then i would be happy to have a look and comment if you want.

 

The basic premise of the DPA is that if they have data and its in a relevant filing system then they have to supply you with that information in a form that you can read and understand.

 

This all has to be porvided under Section 7 of the DPA, end of.

 

If you do decide to take them to court under the DPA then you might like to consider claiming damages in your estimated amount.

 

Otherwise estimates have a number of problems imho.

 

Dont worry i reckon you'll get your data if they have it, it may not be quick but you will get it.

 

HTH

 

Glenn

 

PS emma, my wife wondered if there was any change to the account details between the two periods? I am presuming not.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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hi Glenn

 

Ok i will do my best to type something up but will let you have it before i send it on,

 

let Emma know that our account as stayed the same, same account number, same sort code, our name, name of business, and our address, not changed in 11 years at least.

 

thanks again guys.:)

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hi Glenn

 

its monday afternoon and i have spent alot of the weekend reading things on this site that i have printed off. what i wanted to check before i put pen to paper is, the bank has sent all my statements, all 6 years of them, but each quarter the bank statement tell us waht the bank has charged for their sevices in the previous quarter, he is an example.

'

Advance Notificaton of charges' [separate statements]

 

monies paid in @ 49p per £100= £25.00

change required @ 35p per £100= £3.50

cheques paid out @ 25p per cheque= £3.50

re- referred fee 15 @ £30.00 each= £450.00

 

total charges= £482.00

interest on charges= £210.00

Total £692.00

this will be taken out of your account on ****date.

 

these statements are what the bank will not send me. the statements that they have sent just inform of the total taken not the breakdown of what was for what.

 

somehow tho i still feel this info should be supplied don,t you? if i have to go to court for this info or if i put in guesstimated figures in for 2000-03 and recalim all the charges reasonable or not the bank would have to produce the info to defend my claim, thier fore having to pruce a breakdown of charges which is waht i,m trying to get.

 

any ideas how to compile the next letter.

 

you are very kind thankyou.

:)

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Helen

 

Have a look at this thread, its a similar issue and theres a proposed letter a couple of posts down from this one.

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/50532-tanzarelli-barclaycard-7.html#post488368

 

I am certain they are yanking your chain, they think you don't know what you're entitled to, its entirely possible that the person your communicating with doesn't either from what i can make out.

 

Anyway don't be fooled into thinking the bank has to produce your info to refute the claim, they don't, its up to you that you have paid the charges its one of the problems with estimated claims.

 

HTH

 

Glenn

 

PS re kindness, you wont say that when i send the invoice through :D, LOL seriously though, its only passing on what i have picked up and it has cost me nothing so passing it on is perhaps payment for the help i have had.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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hi Glenn

is this letter the LBA then?

 

I am in reciept of the documents that you have supplied in response to my data protection act information request dated 09/12/06,17/12/06,04/01/07. The disclosure of personal data is incomplete in that at least the following documents are missing. You have failed to provide a complete list of charges requested particulalry the 'Advanced notification of charges for 2000-03. they are the breakdown of quarterly charges specifically for the said years that you know about which are not included. I might add that the 2003-06 Ad No Ch were typed individually and not sent in statement foramt, this is a perfectly accepted foramt for the remainder on my request.

 

Accordingly, i ahve to tell you that you ahvenot yet complied with your obligation under the D.P A 1998 section 7. I am willing to accept this data in any legilble and understandable format aas previously stated.

In an effort to avoid the possibleity of court action can you please supply the above requested information. In the event that the requested inof is not forthcoming within the statutory period i will insitgate court action under section 7 of the DPA 1998. If you do not comply fully with my SAR within 7 days, i shall apply to the courts for an order to enforce compliance, together with damages at the discretion of the court.

 

Glenn feel free to adjust in any way u see fit, do i head the letter LBA or SAR.

 

my not get back on site till 4.30. do your best

thanks:)

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