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    • **IMPORTANT**   Your first request to a company for information is never chargeable. It is only subsequent requests that are chargeable if there is no fault on part of the Data Holder (IE - They included everything but you have requested more that should have been requested 1st time round.)
    • Can I see the loan docs? It should have a company number and everything. Remove personal info.
    • Vollah - Fill me in and send SAE & Email the below;       Jes is big boss. Matt is head of UK Retail Banking. Michael is head of Compliance and will have a vested interest to resolve this for you as Barclays havent been compliant.    Caroline is head of the FOS - She should also be notified so it gets filtered down to her lower teams.    You are done messing around at this point. However do NOT send this unless you are prepared to go Legal on it. Barclays LOC.docx
    • she  has just shown me the loan agreement  and the company is regulated, all laid out      decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking:   I told her to sort it out herself as got enough to do myself, sorry
    • I'm a little confused. You have told us that you served an SAR on 9 January and you have heard nothing other than acknowledgement until yesterday when they told you that there was going to be a delay. However, elsewhere you have told us that they contacted you and demanded a £10 fee. Please could you clarify this.   I see that you have made a complaint to the ICO.  The only problem is that since GDPR, the timescales for the ICO dealing with consumer complaints has increased catastrophically.   If you make a complaint to the ICO, you will have to break their arms in order to get a reference number and then eventually when you do, they will then inform you that after the issue of the reference number it will take anything from six weeks to 3 months before the complaint is even allocated to an investigator.   Before GDPR there was a much smaller level of complaint, you would normally get an email within six weeks expressing an opinion that such and such company were unlikely to have complied with their data protection obligations.   Personally I think the GDPR has backfired. I don't think it has changed anything other than opened a deluge of complaints to the ICO which because the ICO is under-resourced, has played into the hands of the companies because they are even less worried than before about complaints being made about them because by the time the complaint is looked at, the complainant is fed up or has forgotten about it and anyway, or the matter they are dealing with such as a complaint against a bank or against a utility company has moved on.      
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Hedgey v NatWest **WON**

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wtgggggggggggg hedgeyyyyyyyyyyy!!! Still heard nowt from court about my friends case..... Just hoping all this stuff thats been on news dont affect it!!!


Go and treat yourself hun you deserve it!!




Data Protection Sent 05/08/06

Statements received 17/08/06

Prelim Sent Rec Delivery £1231.50 18/08/06

LBA Sent 11/09/06 Rec Delivery

N1 Issued 28/09/2006 for £1561.80 inc Interst

Date of Service 30/09/2006

***WON*** NATIONWIDE PAID 12/10/06

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It has been a while since I last wrote, and Hedgey06 was so helpful, I now have to come back. Got the tatty brown envelopes, and curious looks from the wife...sorted all the charges I had been advised on. Applied to the NWB for the claim, and now (in the mean time, seeing there is to be a test case) I have a letter from Na(s)t(y's) solicitors asking for (I think) more info on the charges so they can make a defence!!?? Help!!:confused:

I have looked at the Sol's letters and they are claiming that the bank 'know nothing' o what I am claiming and want me to proviede the info on each and every one. Now Martin says that this is posturing etc, but I have no idea about legal etc and am concerned that I might now have to pay for my own Sol, someohting which we can ill afford at the mo. Can I aks the wealth of knowledge that is out there...

1. Do I have to provide the info, surely the bank can print off something themselves, or are they making if difficult?

2. The case is due to be in Northampton, will I have to attend (hopefully it won't get that far).

3. Is it best to get a Sol 'just in case it goes that far?


You have all been great in the past.


Take care and good hunting!! ;)

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Don't bother with a solicitor - completely unnecesary (and expensive). Did you file using MCOL. If you did you should probably answer Cobbetts question by sending them the new PoC. You may have to formally change the PoC which will require yousumbmitting a form N244 and a form N1 and paying £35.


If anyone else reading this is thinking of claiming and has not yet done so - the advice now is to NOT USE MCOL, as hedgey pointed out earlier.



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My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008


Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.


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WOOO HOOOOO!!! party over at hedgeys!!! lol

congrats girl thats really good news!!!

they seem to be stalling with mine, cobbetts filed their AQ on the 2 aug (which was the deadline) so lets see what happens from hereon.....


I drink brandy by the way so make sure there's loads at your party... ;)

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Thread moved to success forum.






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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Evening everyone,I've been keeping a quiet eye on everyone sucess and it is really heartwarming to see so many getting results, unfortunately only thing we have received is another letter from Cobbetts pleading with the local court, Nasty have play the 'stay' on our (anyone else's?) claim and we won't be seen until after the test case in 2008.There is one thing in the letter that I noticed, it says that '...either party may apply on notice to lift the stay'? does this mean that we can apply to the court to have our case seen seperately from the test case?It is not that we are worried, having followed all the links from Martins and this site and I feel confident, especialy as Capital One and Mint credit cards have folded this week and paid out (do I fill in a sucess story for these?) although GE Money are playing dunmb and have until Monday coming to be within the 40 days notice period.Hope everyone is ok and bearing up.Good luck.The Serge

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Yay Hedgey wtg you :D

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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i will move this one back to where it belongs for you Hedgey

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