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hi Glenn

 

received your message thanks, how do i get hold of the guy with the letter, can he post it to my thread or the business thread do you think? could you ask him please, or can he e-mail it:)

 

kindest regards

hels

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hi glenn

 

received message, as i,m sure yo have worked out by now my skills on these threads are limited so if you could be kind enough to let the chap have my thread so i will be able to talk to him without hassling you all the time that wuold be brill!!!!!

 

as always ;)

hels

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Hi Glenn

 

just to let you know i have received another letter from the court, it states the : Take notice that the direction hearing will take place on the 13 April, guess what its a friday!!!!, sorry what does a direction hearing mean again:o

 

kindest regards

hels

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directions hearings are to help you find the court, only joking.

 

Basically the judge will ask questions of both parties about their cases and then decide who the claim should be heard ie which track, order standard disclosure or stuff like that.

 

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

 

ha ha direction of the court, whos feeling witty tonight! what does standard disclosure mean, which track, whats that, small claims or fast track ?? for the info i have requested should the court just either decide the bank should give me what i have requested or quote some law that they have given me all they should ie bankstatments as against my request for advanced notification of charges.

 

hels;)

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hi Glenn

 

ha ha direction of the court, whos feeling witty tonight! what does standard disclosure mean the court can order both parties to reavel documents they hold which both helps and hinders their claim, which track, whats that, small claims or fast track correct ?? for the info i have requested should the court just either decide the bank should give me what i have requested or quote some law that they have given me all they should ie bankstatments as against my request for advanced notification of charges. its likley the court have seen similar claims before and expect the bank to cough up before the hearing. It may alos be that they havent seen such a case and want to find out whats going on. The fact that you have been told they hold your data is good enough reason for you to birng the claim so odnt worry.

 

hels;)

 

 

By the way im trying to sort out the letter issue for you.

 

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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glenn

 

wots happened to your spelling??????? a touch of hels itus i believe.

 

Not sure i understand?

 

Glenn

 

 

 

 

 

 

 

 

 

PS the edit facility is a wonderful thing.

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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Hels

 

Its easy for us - like Glen I have been pleasntly surprised how judges really try to put you at ease, they are not interested in clever solicitors playing with words, they are just ordinary folk trying their best to administer justice.

 

 

Z

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hi

Glenn and Zubo

 

thanks for all your advise and comment. i assure you if i am successful i shall do all i can to help anyone who is going down these roads. Every thing you guys write i print off so i can read and read, eventaully it has to in 'GO IN'.

 

thanks again Glenn for your efforts to get the letter, this would be VERY useful. ;)

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Hi Zubo

 

just to let you know :) i am at court to get my data not the charges, but hopefully that will soon follow.

 

hels

 

yes I know I had to keep re-reading to try to figure out what they are trying to achieve...

 

I'm like Tom Hanks in BIG? - your a child and someone tries to tell you that theyre planning to develop and market a Skyscraper which turns into a robot - 'I dont get it!! wheres the fun in that - now a bug which turns into a robot - cool!!!'

 

So ok I don't get it.

Why withhold your data?

Doncha just luv mysteries....

 

Zx

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hi Zuba

 

The story goes like this in brief, i,m in business, i get quarterly bank statements which list the charges charged by the bank for the previous quarter, some charges are perfectly lawful and reasonable, paying money in, getting change out, paying out cheques ect, but i too hae many charges for referral fee,s ect at various charges £15-£30 each, however i need what is called Notification of Charges [as described above] which they have sent over the years but i cannot find them so i request 2000-2006 well actually i have 2003-06, the banks have sent the ordinary bank statments which show the total amount but not the breakdown, so it would be impossible to reach an accurate figure to re claim unlawful charges, thus probably allowing my case to fail. The bank have said they do not hold what i have requested for more than three years thefore cannot provide me with it, i, on the the other hand have evidence to the contray.

 

does this brief help you understand?

 

hels:)

 

Doncha just hope i,m right;)

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hi Zuba

 

The story goes like this in brief, i,m in business, i get quarterly bank statements which list the charges charged by the bank for the previous quarter, some charges are perfectly lawful and reasonable, paying money in, getting change out, paying out cheques ect, but i too hae many charges for referral fee,s ect at various charges £15-£30 each, however i need what is called Notification of Charges [as described above] which they have sent over the years but i cannot find them so i request 2000-2006 well actually i have 2003-06, the banks have sent the ordinary bank statments which show the total amount but not the breakdown, so it would be impossible to reach an accurate figure to re claim unlawful charges, thus probably allowing my case to fail. The bank have said they do not hold what i have requested for more than three years thefore cannot provide me with it, i, on the the other hand have evidence to the contray.

 

does this brief help you understand?

 

hels:)

 

Doncha just hope i,m right;)

 

aha - it is a bug turning into a monster... now i get it.

 

one other option is to prepare your claim based upon 2003-2006 and estimated prorata on the missing data. I seem to recall that Banks have an obligation to retain business data for at least 10 years to be compliant with Government regulations related to Customs & Excise and also Money Laundering regulations. So might be useful to contact Department of Trade for those regs.

 

I know your right gal

 

Zx

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Estimated claims are fraught with problems and are unfortunately easily deafeted by the banks.

 

I dont think there is any legislation which requires them to hold personal data for any specific length of time, its an urbam myth and if it is business data they ar enot under any obligation to prpvide it under the DPA.

 

helen is after her data based on the fact it has her personal data on it.

 

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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Estimated claims are fraught with problems and are unfortunately easily deafeted by the banks.

 

I dont think there is any legislation which requires them to hold personal data for any specific length of time, its an urbam myth and if it is business data they ar enot under any obligation to prpvide it under the DPA.

 

helen is after her data based on the fact it has her personal data on it.

 

HTH

 

Glenn

 

:ooh:o reading her explanation seems to indicate its business data - as I read your points - its the personal part of that business data??

Agreed that business data is not covered by the DPA - but I was referring to business data when I said that obligations for retention of financial information IS required by legislation for at least 10 years NOT personal data.

 

Z

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hi Glenn & Zubo

 

slightly worried having read both your last 'bits', its funny how the doupts start creeping in the nearer the court date, i will just check but i think its today the last day for Barclays to submit a defence, i guess i will be notified if they have. Just so i am really clear with my case, can i run it by you guys again. The account in question say this on the bank statements. Mr & Mr.xxxxxx [Our names]

Trading as XXXXXX

Buckingham Palace [Home address]

London

HGI QE2

 

Because it in in both our names home address and, makes a referrence to our business name, however just to clarify business transaction do take place in this account as does house morgage payments persaonl life insurance ect, but monies is put in this account from the business and business bill are paid out of this account. hopefully this makes me covered by the DPA right???

 

hels :)

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Hels

 

If you or anyone else indeed can be identifeid by reference to the information contaimed in your file its personal data.

 

HTH

 

PS ill sort out emailing those letters to you shortly ihave them in my work bag.

 

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

 

ok thanks Glenn, must remember that! Yep those letters will be really really useful but remember, i have very basic skill on the computer, but perhas you could e-mail them and i can just print them off.

 

PS are the letter self explainitary as in will a lay person [me] be able to understand them or are they full of non-understandable jargan?

 

pps. today [21st] was the last day for the bank to submit thier defence, should i sit and wait for news or contact the court and quote my reference number?? so far i have not heard anything but i guess this is normal, is it? be on the look out if you have time just in case they have put in a defence cos then i will really need you guys.

 

forever grateful for services renderd.:)

hels

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ring the court tomorrow and see if they have received anything from the bank.

 

The letters are striaght forward i just have to scan them and email them over.

 

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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