Moneyhelp Vs Barclaycard **WON**

[moneyhelp]

Call from Barclaycard this morning - 'statements were sent out 20th June and they will not be held responsible for Royal Mail loosing them' - I do not beleive Barclaycard even sent them.

 

They are re-sending them today and the ones they sent yesterday were 'handed to Royal Mail last night'

 

I don't know wether to wait before I put my N1 in or not. I'll wait until the postie has been, then decide.

[maxine989]

I would just go ahead and do it... they have kept you waiting long enough and you can never believe what they say.

[moneyhelp]

Well I gave them the benefit of the doubt and waited for postie - nothing in the mail so going to file my N1 this afternoon.

 

Yes you're right Maxine, I do not trust them as far as I can throw them!

[moneyhelp]

Court papers filed - just wait now.

[maxine989]

Keep us posted as to when you get a hearing date... and IF the statements turn up...!

 

Good luck..

 

Maxine

[jamjaruk]

Unlucky with the statement situation, hang in there

[moneyhelp]

Received statements for dates June 2004 - Present (dated 20th June)

 

Usual letter...

the others are stored on microfilm(rather than computer) and take more time to search and produce.

Statement requests are being processed in order in which they have been received to seek to ensure fairness. The Data Protection regulator, the Information Commissioner has been made aware of the position and knows that we are writing to you in these terms... blah blah blah... we do not consider that the microfilm statements fall within the scope of the Data Protection Act 1998. Nevertheless, we are happy to provide these as a gesture of goodwill.

So what I want to know now is - what do I do about my N1 for statements I filed yesterday?

 

Do I cancel it or let it run until I get ALL my statements?

[sowerby17]

Typical isnt it you waited and waited bet you did not know whether to curse them or be glad you got them.I would keep in the N1 claim as you not got the Microfiche stuff yet, then when you do you must be able to claim the fee back.

[sea-sidelady]

Let it run. You want EVERYTHING before you cancel it.

[maxine989]

yeah... wait until you have got everything... and then bill them for wasted costs.

 

Also double check them when you get all of them.. make sure there are no duplicates or blank 'zero' ones...!!

[moneyhelp]

Thanks guys - was kinda hoping you would say that

 

Oooooh yeesh Maxine, after reading your tale I will certainly double check and

 

double check again, although I don't think I could go through what you are

 

going through right now :o

 

Let the wait continue....

[moneyhelp]

Just called Barclaycard as I needed to change my address - so thought I would ask if there was any news about my missing statements - nice lady said a letter had gone out with the statements and I should get them any time now!

 

Yeah ok - I wont hold my breath.

[moneyhelp]

Got all my statements - been through them and they are all there.

 

Will do spreadsheet later and pen a letter to the courts cancelling my N1.

 

Was I not supposed to get a letter confirming my N1 from the courts?

 

Not sure how I can stop a claim if I don't have a claim number - will give the court a call and see what they say.

[animaleyes76]

You should get a notice of issue for the court once this has been issued to the defendant. Give the court a call

[moneyhelp]

Thanks animal ;-)

[maxine989]

yeehar!!

[moneyhelp]

Hoping someone can help me here -

 

Going through my statements and adding them to my spreadsheet I have 7 things listed that i do not know what they are, anyone have any ideas?

 

CHRGOFF CADV FEES £ xx.xx

CHRGOFF PURCH FEES £xx.xx

CHRGOFF INS PREM £xx.xx

CHRGOFF CADV UNPD FIN CH £xx.xx

CHRGOFF PRCH UNPD FIN CH £xx.xx

CHRGOFF CADV PRIN BAL M £xxx.xx

CHRGOFF PRCH PRIN BALM £xxxx.xx

 

Then my last 2 statements for June / July say my closing balance is £0.00 - I know that isn't right. So what's going on here????

Hoping someone can clarify as I want to get this off in the post tomorrow!

[maxine989]

Oh Bugger... here we go... that bloody zero again when they can't be bothered to dig out the original data.

 

Hmm... those abreviations seem to be charges for cash advances, card advances and card purchases and the printing of balances??

 

Doesn't make much sense... were you abroad using your card during this period??

 

Maybe give them a call and ask if someone can verify these abreviations. If you get no luck over the phone then you could write a letter to the customer services.

 

Certainly do not end your court case for non-compliance until all of the data and information you have requested has been given to you.

 

Hope this helps.

[moneyhelp]

Hi Maxine

 

Thanks for your speedy reply.

 

I have used my card abroad in the past, but these charges are on my April 2007 statement. I haven't used the card at all for over a year now.

 

I have modified my above post to include the amounts (in x's). At the end of these charges it says Total of new trasactions £xxxx.xx CR

Then on May 2007 and June 2007 statements my closing balance is £0.00

 

I hope this is making some kind of sense. If my closing balance is £0.00 can I hold them to it? Be nice if I did have a £0.00 balance!

 

This is doing my head in, why is nothing straight forward with these banks?!

[moneyhelp]

Have just emailed N. Page and A. Ruffhead...

 

 

Dear Ms Page

 

Account number : xxxx xxxx xxxx xxxx

 

 

I have now received all my Barclaycard statements in relation to my Subject Access Request, Thank you.

 

I have a few charges that I am unsure of and wondering if you could clarify for me :

 

CHRGOFF CADV FEES

CHRGOFF PURCH FEES

CHRGOFF INS PREM

CHRGOFF CADV UNPD FIN CH

CHRGOFF PRCH UNPD FIN CH

CHRGOFF CADV PRIN BAL M

CHRGOFF PRCH PRIN BALM

 

Also, on the statements for May 2007 and June 2007 it is showing a £0.00 balance, can you clarify this also please.

 

I have put in a claim for my statements with my local County Court on 27th June 2007, I will continue with this claim until I get all the information I requested with my

Subject Access Request

 

I look forward to hearing from you,

 

Regards

 

Moneyhelp

 

CC Adrian Ruffhead

[vogelrok]

the Zero balance isnt them saying they have sold the account on is it by anychance.

[moneyhelp]

Hmmmmmmm that's interesting - thank you I will ask, although I have not defulted I am currently paying them a minimal payment under the CAB - something else for me to get removed when the time comes.

 

Got an email from Natalie Page...

 

Dear Moneyhelp, Thank you for your email. I have passed your email on to our customer relations team who are better placed to respond to you regarding the charges you have queried. They will contact you by post in due course. With regards to your subject access request if you could contact my colleague Lindsay Hilton on 01604 254518 as I am on holiday from today, she will be able to assist you regarding what is missing. Yours sincerely

 

Natalie Natalie Page Privacy and Data Protection Manager Barclaycard Legal and Regulatory Compliance Dept LRC Tel: 01604 835418 c/w 2500 5418 Mobile: xxxxxxxxxxxxxxx Fax: 01604 254150 c/w 2500 4510 email: Credit Cards, Personal Loans and Insurance - Barclaycard

Address: Department LRC

Barclaycard House

1234 Pavilion Drive

Northampton

NN4 7SG

I did not ask her about missing statements, so I have no idea why I am to ring Lindsay Hilton. I hope she returns from her holiday ready to hear from me again!

[maxine989]

Maybe they are classing the zero balances as missing statements, like mine were...

[moneyhelp]

Oh lord I hope not Maxine :o

 

I just want to get on with this and I haven't even asked for my charges back yet *sigh*

[sea-sidelady]

You could still ring Lindsey to ask about it, and to see if she know the codes.