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Standingupformyself v Barclaycard 'WON'


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Good luck!

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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Thanks... It went in the post yesterday. Day 1 today I beleive !!! Also sent today a CCA request, recorded delivey and a cheque for £1

I love life at the moment....... !!!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Thanks... It went in the post yesterday. Day 1 today I beleive !!! Also sent today a CCA request, recorded delivey and a cheque for £1

I love life at the moment....... !!!!

 

Good Luck - Keep us in touch !! :)

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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Ok, all done!

Am off to the Post Office now, recorded delivery of course, to post my LBA to Barclaycard. I am claiming £660, plus £215.50 interest (24.9%) Feeling anxious and excited !!!!

Wish me luck !!!

 

 

Reassurance please folks: Have I done the right thing asking for the 24.9% interest?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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As long as that's what they've charged you, that's a-ok.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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In regard to your recorded letters not being signed for even though they have probably recieved the letter i'd just make a claim for the maximum allowed from the post office :) every penny counts and you have paid extra for the service and they have failed to get a signature to confirm delivery. Postmen don't seem to always be bothered about getting a signature i have recieved a few recorded delivery letters through my letter box that no one has signed for.

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  • 2 weeks later...

No news yet, LBA all typed out and ready to be posted on Thursday! However 14 days compliance is up on Wednesday for my CCA request. Cheque has not yet gone through my bank account though, neither has my copied of microfiched statements, although they have got until the weekend to materialise.

 

Has anyone got an email address for someone that I can chase my CCA and statements from? Previously I had emailed Adrian Whalley, but have not had a reply, so do not know if they have been read or not....

 

Anyones email will do !!!!!!!!!!!!!!!!!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Sent a few emails out yesterday reminding that this Sunday is 40 days from SAR request and tomorrow (Wednesday) is 14 days for CCA. This is the reply I received

______________________________________________________________

 

I refer to your e-mail below regarding your request for information on your Barclaycard Account under SECTION 78 of the Consumer Credit Act.

Please be advised, I received your e-mail today and also in the post I received your original request.

I can confirm that I am now in the process of gathering the information required under Section 78 of the CCA, I will of course forward this to you upon receipt.

Please accept my apologies for the delay in responding to you, however as previously explained, I was not in receipt of your request until today.

In the meantime, please do not hesitate to contact me should you require any further assistance

Kind Regards

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Letter before action sent today. Still waiting for the other statements, although quite sure there will not be any further charges on them. However I will amend my LBA if needs be.

CCA should have been received today... nothing

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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that is how I read it, although I think a few have gone for contractual at the LBA stage don't know how it worked out though. There are spreads sheets to work out the interest for you, so you will be ok.

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Interesting! Got my Barclaycard statement this morning. My account has been credited with £288 (Late payment refund)

The funny thing is I was in arrears. Now I am not, so at least they have not charged me a late payment charge this month!

No communication from them at all though. I sent a LBA yesterday. I will amend it, deducting the £288.00 and thanking them for their part payment.

Doesn't this go to proove that this system does work? I am now £288 better off than I was a few days ago (still owe £1079.35 to them!!)

Who says a little knowledge is dangerous!!!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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quick question. As I only sent the LBA yesterday to Barclaycard, I am considering sending a new LBA, and in the body of the letter saying

" I thank you for your kind gesture, and your refund of £288.00, which I am happy to accept as part of a settlement to my claim. Therefore I will now deduct £288.00 from the final total, and would like to respectfully remind you that I now require the payment as follows: £660 plus Interest of £215.50, total amount is £875.50, minus £288 paid as a part payment, Total amount I require to be paid is £587.50"

Does this sound ok??

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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That sounds good to me although perhaps also mention the fact that you have received no information at all regarding this payment from them, just so it's on record that you haven't agreed to accept this amount as a settlement.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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I cannot find a letter template specific to a LETTER BEFORE ACTION for non compliance of a CCA

 

Is there one, or should I adapt the SAR one?

 

Thank you.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Received my CCA this morning. The photocopy is not great thogh. The reason I wanted the CCA is because I am convinced that initially I did not sign up for Barclaycard Payment protection, yet was charged it anyway until I realised what was going on.

As I say the photocopy is not great and on the box where you would tick to apply for the payment protection there is the faintest of smudges, yet further up the form where I ticked male or female, I can see the tick is larger, nothing like the smudge.

Am I within my rights to request a clearer copy?

I have also realised though that I had this card 2 years longer than I thought I had, so although I have already started a claim from June 2004 to present, as I thought I had only had the card since Xmas 2003. It now turns out from this CCA that it was Xmas 2001, so roll on the other statements coming through, which incidentally I sent out an LBA about yesterday.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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received another 2 copies of my CCA this morning, still not totally legible, am trying to establish whether I asked for PPI or not. There is still just a smudge in the tick box. I am going to try and claim it back.

 

On another note, Barclaycard replied to my LBA this morning too, letter dated 2.5.07 and received 4.5.07 (pretty quick reallY)

 

"Thank you for your letter received at this office 26th April, I am sorry you are unhappy with the charges you have incurred. Your comments are receiving attention and one of my team will contact you as soon as possible....."

 

"We aim to find a solution within four weeks, if we are not able to do so, we will always write to you explaining what is happening, A full report or update on our progress will be sent to you within eight weeks"...........

 

Standard blah blah letter I imagine. ... I will stick to my own time scale though.... Although I have not yet had a reply from my requst for hurrying up with my statements prior to June 2004 and I want to amend my claim before it gets to court stage,.,,,

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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No reply yet from my LBA about non compliance of SAR, still waiting for around 2 years worth of statements,

What's my next step anyone?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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I'd try phoning the customer service or even the Data Protection number and ask them where the remainder of your statements are. They wrote me a letter telling me 6 weeks when i recieved mine back to 2004 and sent the rest within 4 days, so i reckon they have forgotten all bout you in their heap of paperwork and requests. Worth a try, being nice on the phone to them often gets them to help you a lot more than the letters we send them lol. Failing that you'd have to take them to court or report it to the ico which can take weeks so phonecall is definately worth a shot.

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I have been on the phone to Barclaycard for fifteen minutes I have been passed on to three different people, put on hold four times, whilst one assistant talks to another. It ought to be straight forward surely,

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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