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me v the Barclays Monster


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Ive just sent my first letter to Barclays and I cannot wait to see how much I have been charged becuase I know its a lot!!!:lol:

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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Some useful links..

FAQ’s

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

How to Start a Thread

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Rejection of Settlement

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

Interest Spreadsheet

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Contractual Spreadsheet

http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html

Court N1 form

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Preparing a Court Bundle

http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html

Bank Contact Details

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Moneyclaim Online

https://www.moneyclaim.gov.uk/csmco2/index.jsp

AQ Guide to Completion

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation

Court Fees

http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm

Data Prot Act Non Compliance

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

ERC Letter for Mortgages

http://www.consumeractiongroup.co.uk/forum/post-432747.html

Witness Statements for Court Bundle

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html

Banking Code website

http://www.bankingcode.org.uk/faq.htm

Limitations Act

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

A-Z Guide to stuff

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

fast track costs

http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519

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Advice needed,

 

I sent my first letter on the 26th jan to Barcleys London and got a reply back today 1st feb from cheshire.

 

here it is:

 

DATA PROTECTION ACT

 

We refer to your letter of 26 Jan which was passed to this dept for comment due to your request for certain information, relating to bank charges, under the terms of the Data Protection Act ("the DPA").

 

Please be aware the bank is under no obligation to present information according to any particular format. Therefore your request to assemble a schedule of charges is yurned aside. You may of course obtain this data from copy statements and these will be supplied to you in the next few weeks without charge on this occasion. We would advise however, that statement information prior to 2000 is stored manaully rather than on computer. Therefore if your account was opened prior to this time, there may be an increse in the time required to collate the information you have requested. I apologise in advance should this delay be cause of any inconvenience to you.

As regards to your mention of "manual intervention", the DPA does not oblige the bank to comment about internal policies and procedures. Furthermore, in context of managing day to day transactions arising from out of order accounts, the bank does not hold the information you have requested in a form that would be covered by the DPA. Whilst aggregated information is retained for statistical purposes, this would not constitue "personal data" ubder the DPA and therefore would not be covered by a s.7 DPA subject access request. For avoidance of doubt, the fact we do not generally record information in a way that is caught by provisions by the DPA, is in no way an admisiion that there was no such manual intervention.

As the bank is provivng copy statements on a complimentary basis your payment is returned herewith.

 

Does the plan remain the same get the statements add my charges then move on ????

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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Yes it does. list all the charges and put them on a spreadsheet forund in the templates section. once you have totted up the total amount of charges then send the prelim letter asking for that amount back.

 

Take your time and if unsure just ask. good luck.

:lol::lol::lol:
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Thanks,

 

As far as the pre 2000 ones go, do they still need to reply within 40 days ???

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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Hi

 

Ive sent my first letter to Barclays and am waiting now, after there response for my statements.

Look forward to spending time reading threads etc etc.

They received my first letter on the 26th January. Do I need to chase them up?

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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Hi

 

Ive sent my first letter to Barclays and am waiting now, after there response for my statements.

Look forward to spending time reading threads etc etc.

They received my first letter on the 26th January. Do I need to chase them up?

Its 40 day to comply and provide your statement of charges.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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  • 2 weeks later...

Just got new statement through and they have charged me another £90 which really helps me out!!!!

On the day that barclays have announced profits of 7.1 billion arrrggghhh.....

 

And still waiting for my statements.......:evil:

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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Hi AD33 -- good luck with your claim against Barclays.

 

Just stick with the tried and tested format on this site and you'll soon have the money back, that they shouldn't have taken from you in the first place :mad:

 

Best wishs. jaxads x

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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thanks for that just read your threads... well done

 

very inspiring to read

 

AD

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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ive just received my statements and just have a couple of questions:

 

can i claim back account charges? because there seems to be loads!

 

also have only got statements from 2000-2007 can i not claim before that as ive had my account for over 10 years?

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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am I being stupid??

 

ok I dont think I can claim account charges!

 

and all I need to do next is to write the 2nd letter and schedule the charges inc interest 8%? and send it off to Mr Townsend is this correct?:D.

 

On my copied statements my interest has been charged shall I just add that to the schedule or let the template work it out!?

 

somebody help............

 

AD

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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ok

you can claim back paid referrals , unauthorised overdraft charges etc.

you can't claim the interest charges because they are allowed to charge the interest , also any account fees cannot be claimed.

the interest you claim is either statutory interest when it goes to court at 8% , or the interest they charged you on the penalties which is harder to work out but there are spreadsheets that will do it for you.

hope that's clear (probably as mud lol ).

good luck.

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right after lots of highlighting £1430 in 6 years done schedule without interest! sending off with letter 2 tomorrow.

 

now shall I send it to leicester or P Townsend the S.A.R man??

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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  • 2 weeks later...

is there any chasing up to be done or do I just send them a LBA when the 14 days are up??

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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got standard letter back saturday with complaints leaflet etc... sent schedule on 28th January. There letter was dated 10th March and it says it has just been passed onto us!! I will stick to my schedule and send the LBA on the 14th??

 

im sure this is correct.

 

anyway this is my diary .............

 

AD

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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Diary 13th March 2007.

 

Sent LBA today.:o

 

AD

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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  • 3 weeks later...

been away for a weeks holiday got back yesterday.... lba expired on the 28th March. Got a letter from Barclays to say they are looking into my complaint and they need to collate more info!!! ive sent them all the schedules etc! the end of the letter says they will contact me again on the 27th April.

Ive got my N1 at the ready as my lba has expired do I just carry on and get to the court???

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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I didnt even get a offer :( boo hoo......

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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Hi AD,

 

Have you been to the court and filed your claim? Don't worry about not getting an offer, they'll settle in full in the end.

 

Keep us informed.

 

madhouse5:)

[I][FONT=Arial][SIZE=1][B][U][COLOR=red][COLOR=blue]Barclays bank[/COLOR] [/COLOR][COLOR=blue]- £1260.00[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][COLOR=blue][B]Settled for £1774.20 - [COLOR=#ff00ff]7th June 2007[/COLOR][/B][/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][B][U][COLOR=red]MBNA - £1994.46 - [/COLOR][COLOR=red]inc contractual int[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][B]Settled for £2024.00 - [COLOR=magenta]16th April 2007[/COLOR][/B][/COLOR][/SIZE][/FONT][/I] [I][U][FONT=Arial][SIZE=1][COLOR=indigo][B]First Direct - £1147.00[/B][/COLOR][/SIZE][/FONT][/U][/I] [I][FONT=Arial][SIZE=1][B][COLOR=#4b0082][COLOR=indigo]Settled for £1147.00 -[/COLOR] [COLOR=#ff00ff]1st May [/COLOR][/COLOR][COLOR=magenta]2007[/COLOR][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=green][B][U]Capital One - £802.83 - inc contractual int[/U][/B][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=#008000]Prelim sent - [COLOR=#ff00ff]28th March 2007[/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=seagreen]LBA sent - [COLOR=magenta]19th April 2007[/COLOR][/COLOR][/SIZE][/FONT][/I]

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went to the court today but shut til tuesday!

 

Will keep you informed

 

Thanks AD

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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I tried phoning them today to see if barclays had entered their defence, deadline today, they didn't answer the phone. I guessed they must be finished for easter.

 

madhouse5:)

[I][FONT=Arial][SIZE=1][B][U][COLOR=red][COLOR=blue]Barclays bank[/COLOR] [/COLOR][COLOR=blue]- £1260.00[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][COLOR=blue][B]Settled for £1774.20 - [COLOR=#ff00ff]7th June 2007[/COLOR][/B][/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][B][U][COLOR=red]MBNA - £1994.46 - [/COLOR][COLOR=red]inc contractual int[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][B]Settled for £2024.00 - [COLOR=magenta]16th April 2007[/COLOR][/B][/COLOR][/SIZE][/FONT][/I] [I][U][FONT=Arial][SIZE=1][COLOR=indigo][B]First Direct - £1147.00[/B][/COLOR][/SIZE][/FONT][/U][/I] [I][FONT=Arial][SIZE=1][B][COLOR=#4b0082][COLOR=indigo]Settled for £1147.00 -[/COLOR] [COLOR=#ff00ff]1st May [/COLOR][/COLOR][COLOR=magenta]2007[/COLOR][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=green][B][U]Capital One - £802.83 - inc contractual int[/U][/B][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=#008000]Prelim sent - [COLOR=#ff00ff]28th March 2007[/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=seagreen]LBA sent - [COLOR=magenta]19th April 2007[/COLOR][/COLOR][/SIZE][/FONT][/I]

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N1 in today

 

AD

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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what happens now???

 

AD

Barclays

 

S.A.R - (Subject Access Request) sent 26.01.07

Schedule sent 28.02.07

LBA sent 14.03.07

N1 filed 10.04.07

Settlement 14.05.07 (£2270)

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