Jump to content


M_A_A_B Vs Barclaycard


M_A_A_B
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5176 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Have sent off my SAR letter and £10 fee today (30/1/2007)....

 

Will update on here as and when and shout for help when I need it!

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

Word of warning maab. Barclaycard are notorious for stalling. Read through some other people experiences to find out what is going on and how you should tackle their delaying tactics.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

Thanks...I'm reading through stuff all the time it seems! It's taken a little while to get to grips with it but I think I'm there now...thanks for the advice

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

  • 4 weeks later...

Had a letter from Barclaycard on the 19th to say that my statements will be sent to me within the 40 day time frame.

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

  • 3 weeks later...

Haven't received my statements. 40 days are up. Phoned Barclaycard today (13/3/2007) and after speaking to some very rude people and being passed around a lot I finally found out that they have been 'inundated' with these requests and so will not be able to carry out my request within the specified time frame (which they already haven't).

 

I'm going to read up on here to see what my next course of action should be

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

cheers Paul :)

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

Will be sending my LBA for non-compliance of my SAR letter tomorrow (15/3/2007)

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

Recieved a letter from Barclaycard today dated 20th March 2007:

 

 

Dear M_A_A_B

 

I write further to your recent letter, your correspondence has been passed to me in order that I may investigate and on behalf of the company.

 

With regard to your request for refund of charges I am sorry you feel the charges you have incurred are unfair. We believe that our charges are both fair and transparent, and we make them clear in our terms and conditions, and on the reverse of every monthly statement. These charges are avoidable by staying within your limit and making your monthly payment on time.

 

In your correspondence you have outlined case law which you say supports your view. As I am sure you will appreciate Barclaycard is aware of all the information you have drawn to our attention. I must inform you however, that we disagree with your legal analysis.

 

Putting the above to one side, as a goodwill gesture and without any admission of liability Barclaycard is prepared to credit you with £200.00. The adjustment will be confirmed on your next statement.

 

Please be advised that from 1st August 2006, Barclaycard reduced its fee to £12.00 following the publication of the statement by the OFT.

 

I hope this now clarifies the situation. Should you have any further questions regarding this matter please do not hesitate to contact me. If my reply does not meet with your expectations you may ultimately be eligible to refer to the Financial Ombudsman Service. Further details of this service are available on request.

 

If I have not heard from you within 8 weeks from the date of this letter, I will close my file in accordance with our usual practice.

 

Yours Sincerely,

 

Customer Services

 

They still havent actually sent me my statements so I dont even know what they owe me yet!

 

What would be my next step? I sent them a LBA for non compliance on the 15/3/2007....the 7 days I gave them are almost up....

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

You continue with the non compliance, they have not sent you the statements.

 

 

 

 

 

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.

Link to post
Share on other sites

Thanks...do I acknowledge the letter I got from them today?

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

Thanks...do I acknowledge the letter I got from them today?

 

Yes inform them that you are reporting them to the ICO for non compliance. I take it you dont have a figure of how much they owe you as you dont have the statements. so this £200 is the figure they have come up with?

  • Haha 1

 

 

 

 

 

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.

Link to post
Share on other sites

Also...I'm at the stage where I'm going to have to go through the courts as the LBA for non compliance runs out tomorrow....do I use the N1 form (I think I do from what I've read)...also, if I do use the N1 form, can I use the pdf version that's in the library on here?

 

Bit nervous about this bit so might be asking for help a lot!

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

Yes inform them that you are reporting them to the ICO for non compliance. I take it you dont have a figure of how much they owe you as you dont have the statements. so this £200 is the figure they have come up with?

 

I dont have a figure yet...I was waiting for my statements...I'm pretty sure that £200 is no where near as much as they will owe me though....I thought they were just being tricky with me because the account is now with a DCA (because of the charges I might add)

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

I dont have a figure yet...I was waiting for my statements...I'm pretty sure that £200 is no where near as much as they will owe me though....I thought they were just being tricky with me because the account is now with a DCA (because of the charges I might add)

 

Ok you need to take them to court for non compliance of the DPA SAR. Once you have your statements you can then reclaim your charges. The £200 you can accept as a part settlement inform them of this.

 

 

 

 

 

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.

Link to post
Share on other sites

cool...thanks for all your help :)

 

Do I use the N1 forms for court?

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

 

 

 

 

 

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.

Link to post
Share on other sites

sent a complaint to ICO via their website (21/3/2007 at 22.50)

 

I have already sent Barclaycard a letter regarding non compliance...their 7 days ends tomorrow so I'm looking through the N1 pdf file now ready for court action....

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

I was all ready to file against Barclaycard for non compliance today and my statements have arrived!

 

They even sent me ones that were stored on microfilm as a 'gesture of goodwill' lol.

 

Totalling up now...

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

Total of £500 charges....£79.73 interest for going over my limit cos of charges....£579.73 grand total.

 

Prelim letter will be posted 30/3/2007

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

  • 1 month later...

LBA posted 12/5/2007

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

  • 5 weeks later...

Received another letter today saying that they will offer me £200 which is the difference between the charges I incurred and the £12 fee set by the OFT.

 

Should I carry on with my claim? The next step is court action, will I actually get all my money back if I take it that far??

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

Link to post
Share on other sites

Yes, carry on. it's highly likely you'll get your money back:)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...