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    • In a strange twist of fate he called me yesterday and agreed to refund me on the car. I am due to drop it off on Friday and hope he sticks to his word. I am still going to produce the rejection letter as a safety net in any case.   Thanks to those who have replied on this post. I will keep it updated.   Mark.
    • Hi there my husband has a Vanquis card i applied to get the ROP refunded which they shut me down on this was back in Aug 2018 on the letter they sent him telling him no they did state they would cancel the ROP with immediate effect, roll on to this week and i come across one of his statements and low an behold they are still taking it, so my question as they have still been taking it i have obviously phoned them to get it stopped and the past 2 years refunded do i use the CISheet spreadsheet to work out the interest he has been charged on these payments his statements show a 3.99% monthly which i believe is 59.93% APR can someone confirm my calculations please im a bit rusty, i also have asked them to recalculate his ROP interest refund as i heard some were wrong and i've asked them to re look at the complete refund claim as well whilst they are at it, if im reclaiming the whole lot is this again the CISheet at 59.93% as 1 £5.50 ROP charge from oct 2009 shows £876.77 interest ??   any help would be great not done this for a long time last one was bank charges lol.
    • Hi, if a terminated credit card claim has been struck out by the court, appealed and lost (ie still struck out) - is the balance therefore zero? Can a 2nd claim for the same card (terminated>6yrs ago) be presented against me for a different amount.
    • When did you pay the £20? was it before the default letter or after?  Exact date and to whom the £20 was paid is key to calculating the SB date.  It could be construed that paying £20 or any figure was an acknowledgement of the debt and could re-start the SB clock.   Important to understand the date but I concur with the other CAGers that it is probably not something to worry about.   As an aside I fought (and won) an argument with Lowells over the default date.  They were trying to assert that the Default date was later than it was but I was able to disabuse them of that idea thanks to having the original Default Letter plus also getting it confirmed by the original lender (Vanquis).  They sent me the exact same copy of the Default Notice as part of their SAR response so I say again a good idea to SAR Mint so you know where you are and you are then ready to rebuff any bullshit from the DCA.  
    • Hermes have submitted an AOS.   
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
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beacon double trouble request

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Dear All.


I have received my statements for the last 6 years and would like to ask do I claim for the 6 years from the start of my original letter of request?


Oh! the double trouble in the title refers to the fact Barclays not content to send me my statements for the last 6 years have also sent me some other businesses statements of accounts in an envelope addressed to me. Whilst they make interesting reading ,noting they have more in their account than I ever had in mine I, would imagine this would be embarrasing for Barclays Bank .Should I just post them back?



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Re. the 6 years - yes, it can be from the date of the first letter (if you have charges going back that far) or 6 years from the date you file your claim (if that pulls in more charges).


about getting somebody elses SAR, this is a scarily common occurrence - I had statements belonging to thers from Capital 1 and Barclaycard, and I know that there are numerous posts here from people with similar experiences.


Firstly, whilst it may be interesting reading, curiosity killed the cat and I would suggest you seal them up in an envelope before you do anything. Imagine if you were reading somebody elses thread and they were talking about your data that they were reading.......


You should report to the bank that you are horrified that they treat other peoles data with wanton disregard their privacy. You should also ask if you received somebody else's data, where is yours........?


You should ask them if they wish you to destroy the data, send it back to them (you MUST send it recorded delivery or registered post), or send it to the information commissioner so they can ask him for it back (I asked them that and spoke to the IC but he said whilst he was as horrified as I was there was not much he could do other than slap them on the wrist....).

Demand that they confirm your data has not been sent to any third party without your consent, and ask them to immediately send you your statements.

add the cost of the recorded delivery postage and envelope to your schedule of charges

at the very least its embarassing for them and will speed up your SAR request - it also very quickly resolved my claim against Barclaycard - they paid up in full within 10 days of sending me the wrong guys data.


I did see on another thread that somebody who had received another persons data PM'd a mod with the name and the mod searched for that person to see if they were a CAG member.

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If you think my advice has been helpful, please click on the scales to the left :) thank you!


Non illegitimi carborundum



I wish I was a glow worm,

A glow worm's never glum!


How can you be grumpy,

when the sun shines out yer bum?! :p



Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Thanks for the advice . I will do that.


Can you tell me when you put in your request to the bank for the bank charges to be repaid , did you add the 8% interest on from the outset as per the england basic excel sheet or did you delete that part of it and only add in when submitting a legal claim. I have seen some letters requesting this from the outset and others advising not to when making an initial request for the return of monies.



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did you delete that part of it and only add in when submitting a legal claim.


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