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    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
    • Good morning all, No further communication with P2G so now submitting my small claims action. Would be grateful for any feedback on my description of claim before I submit later. The defendant in this case is Parcel2Go Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper containing two handmade bespoke wedding trays to a customer with tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was informed that the parcel was being returned to me but after waiting three weeks was informed by Evri that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015. The claimant therefore seeks £370 in respect to the value of goods plus court costs. I thought it might be better to use the CRA rather than the Supply of Goods and Services Act as we are sole traders - is this correct?
    • No new development, I'm afraid. The last update I received was a letter from the court, advising that the case had been transferred to Croydon County Court.
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Claiming beyond 6 yrs - important new information!!!


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I've spent hours on this site and would like to say a big "thank u!" to everyone. This site is fabulous!!.....I'm on my way to financial freedom....finally!!

 

I have an old Barclays business account. In regard to business account charges, can one claim back charges such as those for credits and debits to one account, maintenance fee, account control fee (for going overdrawn)?

 

 

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Another question about claiming beyond 6 years. Do you think it will be harder to claim if all charges are older than six years? I have already claimed for charges within 6 year limit just wondering if it would be harder to fight a banks defence if all charges were older than six years wouldn't they just argue the statute limit?

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hi my name is sally, i am in the process of reclaiming bank charges. i sent the bank a letter asking for 6 years of statements and they havent responded. i wrote this letter about just over a month ago. what should i do now?

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hi my name is sally, i am in the process of reclaiming bank charges. i sent the bank a letter asking for 6 years of statements and they havent responded. i wrote this letter about just over a month ago. what should i do now?

 

start a thread under your finacial institution- they have 40 days to produce information.see template letter - check you asked for correct info and sent £10.00 ?

 

read FAQ and libaries and all the threads you can - there are instructions on here on how to proceed .

 

best of luck:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Wow, this is great news ! Beyond 6 yrs claiming sounds like an excellent idea - do we send SAR and ask for charges to go back to the date the account was opened ?? We had am account with Barclays 7or 8 years ago that we had lots of problems with so we opened one with RBOS - who we have just agreed a settlement of £6500. I shall be sending Barclays a letter through in the next couple of days I think !

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Wow what good news this thread is. Banks here I come. Am I correct in assuming that charges on business accounts fall into this category? Apologies if this is a dumb question. Have not started on old business account yet and would require statements back 19 years - would be great.

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You don't need to give them another 40 days. Simply send the non compliance letter for the SAR. They are obliged to send you all info they hold on you under a SAR not just the last 6 yrs. If this is all they have sent they have not fully complied with your original.

 

 

 

Thanks to all for the advice

 

Hi zootscoot, when i asked for my statments i used martins money saving tips template and it did only request six years, so this is my dilemma.

 

Do i have to start all over because of this as they did comply with my request

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If you only requested six years they have complied with your request. Also there is a chance they will not reply to the second as they do not have to comply with second request if it follows shortly after the first. I can't remember off hand what the relevant time period is. If you look in the DPA you will find it.

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its here delphi

 

(3) Where a data controller has previously complied with a request made under section 7 by an individual, the data controller is not obliged to comply with a subsequent identical or similar request under that section by that individual unless a reasonable interval has elapsed between compliance with the previous request and the making of the current request.

(4) In determining for the purposes of subsection (3) whether requests under section 7 are made at reasonable intervals, regard shall be had to the nature of the data, the purpose for which the data are processed and the frequency with which the data are altered.

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I'm sure I read it is a period not less than one month after a previous request...Im looking...

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Whilst looking, I bumped into this link. It is how to trace any old accounts but cannot remember all the details. Online request, snail mail etc, it's all there.

From the British Banking Assosciation.

 

BBA - British Bankers' Association - Dormant accounts

 

P

 

Noomill - sorry it looks like I found the same link. :-)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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I am having big trouble with Barclays credit cards getting statement info and I know other people are reading the Barclays thread. I originally asked for 6 years info. After they had gone over the 40 days I got about 2 years info and then telling me the rest was on microfiche and they weren't obliged to send it me but as a matter of good will they would. I wrote and told them they had committed an offence and now wanted all info they held on me. After about 90 days received another 2 years info going back to July 2002 and a statement saying "this is all the info on this account that we hold!" I think this is becoming a general ploy. Any advice on the best way to getting hold of it all? Should i send the destruction of info letter discussed earlier on this thread? Write to the ICO? Take them to Court? All three?!

 

Cheers

 

Halibunny

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Hello everyone,,,,,,,I can't stop reading this......brilliant!

 

I just called Natwest customer services and they told me they wouldn't be able to trace anything without my old (closed account) account number, which I haven't got.........that can't be right, can it? So how would I get that then if they can't give it to me.......it was approx 10 years ago so would that be a problem?

 

Can anybody advise me please? I'm determined to get back what they took from me, was a fortune in charges and they really showed me no mercy whatsoever,,,,,would be so good if I could claim them charges back,,,

 

Hi Wannagethelp

 

Look at the link above - it may help you!

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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If you have a CCJ then it's a good time to have it questioned as they will have ackowledged the charges in the debt even though it may have been over 6 years ago. Example..CCJ against you 5 years ago for debts run up 3 years previous to that.

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does this apply in scotland aswell as i have heard that you can only claim for 5 years in scotland.hopefully it does!i have at present got a sar in on intelligent finance and one in on the bank of scotland.35 days gone and still waiting. do i chase them up or just wait till the 40 days are up?thanksandromeda411

 

 

Well! Yesterday I went into a branch of HBOS in Scotland and requested the pre-6 years' statement - for one a/c going back to 1987. There was a bit of consternation (at first) but the lad processed my request and said he'd let me know the outcome. (He wouldn't accept my £10 - "Just in case," he said.)

 

As for the Scottish £750 limit (Small Claims) asked a couple of postings above - I wouldn't worry too much - there are other routes one can take (I've been advised).

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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On the 5 yr limit, you are actually doing very well.

The Scottish limit runs from the date upon which you should reasonably known about the breach - meaning the unlawfulness of the charges.

There is a long stop of 20 yrs but this is of no relevance to most people

 

Mmmm! "The Long Stop of 20 yrs" - I hesitate to argue against Bankfodder here - especially as a VERY newbie - BUT - It is of MAJOR relevance to me! If my HBOS charges for 2 a/cs over the 6-year period total over £15,000 (without interest) - then what might they be over the 20 year limit?

 

I'm going the whole way! I have requested 20 years' statements from HBOS from one a/c and the pre 2001 statements for the other, going back to the date when it was opened (1990 - I think!).

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Zoot,

2 Questions

a. would the 'reasonable period' rule for second SAR requests be valid since we're talking concealment by the banks, which have lead to this request? and

b. Is there a new template which includes suitable remonstrable wording and case-law which we would be required to quote upon going back 6+ years?

Bye the bye - so very well done to you all in coming up with this 'twist'.

ken

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Im sure that there must be dozens ,if not hundreds of people who are in the middle of getting back their 6 years of charges who..like me will be interested to see any template/letters etc enabling us all to reclaim charges in excess of 6 years.Importantley is the fact that some banks are claiming to only have copy statements for 6 years and not any further,i hope to see on this web site templates etc in tackling this problem ,and also contacting your bank to put in a further claim in excess of 6 years even though you have just got back your 6 years worth

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Guest Battleaxe
I am having big trouble with Barclays credit cards getting statement info and I know other people are reading the Barclays thread. I originally asked for 6 years info. After they had gone over the 40 days I got about 2 years info and then telling me the rest was on microfiche and they weren't obliged to send it me but as a matter of good will they would. I wrote and told them they had committed an offence and now wanted all info they held on me. After about 90 days received another 2 years info going back to July 2002 and a statement saying "this is all the info on this account that we hold!" I think this is becoming a general ploy. Any advice on the best way to getting hold of it all? Should i send the destruction of info letter discussed earlier on this thread? Write to the ICO? Take them to Court? All three?!

 

Cheers

 

Halibunny

 

 

File an N1 for non-compliance, This will focus their hearts and minds

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Thanks BA ;-)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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